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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 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2363

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 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: How much is rich?
Replies: 47
Views: 2363

Re: Stock markets in free fall?

OP's comment was tongue in cheek. note the wink
by bengal22
Fri Apr 11, 2014 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6462

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 7:37 am
 
Forum: Personal Consumer Issues
Topic: Two Years Free Toyota Service
Replies: 8
Views: 748

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 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 3765

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 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5410

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

My favorite is NFL Live on Sunday afternoon.
by bengal22
Fri Apr 04, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1035

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 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3271

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 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 3765

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 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9231

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 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8232

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 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Teaching Kids Money Management (under age 10)
Replies: 11
Views: 931

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 8:18 am
 
Forum: Personal Consumer Issues
Topic: BBQ Road Trip
Replies: 50
Views: 2930

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 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 3874

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 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 3874

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 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax and ACA ?
Replies: 12
Views: 999

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 8:27 am
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36062

Re: Tax and ACA ?

Thanks for the replies. It will be a definite learning experience.
by bengal22
Sun Mar 16, 2014 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax and ACA ?
Replies: 12
Views: 999

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 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax and ACA ?
Replies: 12
Views: 999

Tax and ACA ?

I have an opportunity to work 6 months for a U.S company in a Mexican Border Town. I was/am retired and have kept my income low so that I could have a ACA subsidized health care. I would live in Texas and travel across the border every day. I would be a contract employee. I have dos questions. 1. Wh...
by bengal22
Sat Mar 15, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax and ACA ?
Replies: 12
Views: 999

Re: What's a reasonable composite expense ratio?

Vanguard's Portfolio Watch will give you your overall Expense Ratio if you have all of your funds loaded. Mine is .27, but I have a couple of high ER funds from the past that bring it up a little. But I have cut it dramatically in the last 5 years by switching to more index funds.
by bengal22
Thu Mar 13, 2014 7:28 am
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 2864

Re: William Bernstein-When you've won the game, why keep pla

If you felt comfortable with stock and real estate fluctuations result in higher overall returns in your accumulation phase why would that change in your distribution phase if you have over 5 years of living expenses in bonds/cash? Have you read THIS ? so 73 year olds had their money tied up in tec...
by bengal22
Wed Mar 12, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 24377

Re: Favorite gadgets?

Right now its my ROKU.

Finished 2 seasons of House of Cards
Working on 2nd season of Breaking Bad
working on 1st season of Lost.
Enjoyed Comedians in Cars getting coffee

Love watching without commercials
by bengal22
Wed Mar 12, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Favorite gadgets?
Replies: 28
Views: 1517

Re: William Bernstein-When you've won the game, why keep pla

I think the whole concept of "won the game" is nonsensical. Why would you not want to continue to grow your portfolio at a risk that is acceptable to you. Taking one's money off the table is a risk in itself. I for one will stay in the game until I breathe my last. .. because you could lo...
by bengal22
Tue Mar 11, 2014 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 24377

Re: William Bernstein-When you've won the game, why keep pla

I think the whole concept of "won the game" is nonsensical. Why would you not want to continue to grow your portfolio at a risk that is acceptable to you. Taking one's money off the table is a risk in itself. I for one will stay in the game until I breathe my last.
by bengal22
Tue Mar 11, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 24377

Re: How did you get through the market crash in 08-09

Unfortunately, market crashes are just a symptom of a real economic disaster. Yes, because I had a good job and had been through a major dip before in the 80's and other smaller dips, I had confidence that my portfolio would rebound and could ride it out. But the real pain was inflicted on those tha...
by bengal22
Sun Mar 09, 2014 11:21 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5431

Re: New York TImes/WSJ

Hi, thanks - can I ask how you view for free? after a few articles, they block me until I pay. The same way you would get a free steak from the supermarket -- you walk out with it while they aren't looking. Your allowed a certain number of free articles. Thanks for calling me a thief. Nice. I didn'...
by bengal22
Sun Mar 09, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2118

Re: New York TImes/WSJ

Robin wrote:
Barefootgirl wrote:Hi, thanks - can I ask how you view for free? after a few articles, they block me until I pay.


The same way you would get a free steak from the supermarket -- you walk out with it while they aren't looking.


Your allowed a certain number of free articles. Thanks for calling me a thief. Nice.
by bengal22
Sun Mar 09, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2118

Re: Poll: When did you retire? Would you do it all over agai

Yes I would do it all over again. I enjoyed working but I love retirement. I was 60.
by bengal22
Sun Mar 09, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10655

Re: New York TImes/WSJ

read WSJ and NYT online(free ones). don't miss paper.
by bengal22
Sun Mar 09, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2118

Re: Customer service - Vanguard vs Fidelity

I invest with both Vanguard(30 years) and Fidelity(20 years) and both are top notch and offer quality index funds. So you will be OK with both. I think the whole ownership thing is a marketing mirage and has no impact on customer treatment.
by bengal22
Sat Mar 08, 2014 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: Customer service - Vanguard vs Fidelity
Replies: 80
Views: 6535

Re: Will this affect your Tipping?

I would not frequent an establishment that used this technique. I consider myself a good tipper but I do not like being bullied.
by bengal22
Wed Mar 05, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7544

Re: [POLL] What do Bogleheads DRINK?

jmndu99 wrote:
cheese_breath wrote:I'm wondering who drinks Other and what it is.


LOL


Hot Chocolate
Left over milk in bowl after cinnamon Toast cereal
by bengal22
Mon Mar 03, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3744

Re: Indoor Plants - Recommendations?

[OT comments removed by admin LadyGeek]
by bengal22
Sat Mar 01, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Indoor Plants - Recommendations?
Replies: 21
Views: 1403

Re: Allan Roth on "Richest Guy in the Graveyard"

"One area he walks clients through is the Roth versus traditional IRA and the Roth 401(k) versus traditional 401(k). The ability to convert from a pre-tax traditional IRA to a post-tax Roth IRA—and recharacterize back to where you started—opens all kinds of opportunities for managing risk aroun...
by bengal22
Fri Feb 28, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth on "Richest Guy in the Graveyard"
Replies: 53
Views: 6460

Re: Early Retirement and ObamaCare

A friend of mine recently decided to retire early. He's 56. He feels he has accumulated enough to live out his life comfortably. We were discussing whether or not he would qualify for a subsidy under Obamacare since his income over the next few years will be essentially dividend and interest income...
by bengal22
Fri Feb 28, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Early Retirement and ObamaCare
Replies: 26
Views: 2540

Re: What's your usual retirement day like ?

My wife asked me this morning what I was going to today. I said "nothing." She said, "isn't that what you did yesterday?" "Sure", I responded, "but I didn't get it all done." One shouldn't feel guilty about doing nothing as long it involves people, nature, hel...
by bengal22
Sat Feb 22, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 180
Views: 19540

How to convince family & friends to use Boglehead Method?

As I have gotten older, I have learned the wisdom of giving advice when asked. Some people find finance daunting and shut down when the subject is discussed. Some people think they are experts when it comes to finances and think they are indeed "one up" on the average investor. I have lear...
by bengal22
Sat Feb 22, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: How to convince family & friends to use Boglehead Method?
Replies: 61
Views: 4199

Re: Death of Long Term Thinking

seemed silly to me. long term and short term thinking has always coexisted. the guys that jumped out of the upper windows in the 20's were short term thinkers. long term thinking still lives.
by bengal22
Sat Feb 22, 2014 7:38 am
 
Forum: Investing - Theory, News & General
Topic: Death of Long Term Thinking [Article Parody - Time Horizon]
Replies: 2
Views: 446

Re: What to Invest in when market is low?

not into market timing. just the fact that the talking heads say the stock market is at a high and the bonds are due for a crash and CD's don't pay are ammunition for us to pick an asset allocation that fits our needs and risk acceptance and stick with it.
by bengal22
Wed Feb 19, 2014 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to Invest in when market is low?
Replies: 24
Views: 1221

Re: Do Bogleheads see this market dip as a buying point?

based on the chart above, I hereby commit to always buy at the low points and sell at the high points.
by bengal22
Tue Feb 18, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13411

Re: What makes markets go up long term? What can make them n

Long term growth of the US(or any) stock market is a factor of the long term growth of the U.S. economy. Pure and simple. Perception may cause short term blips but the real correlation is between the health of the economy and the health of the stock market.
by bengal22
Tue Feb 18, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: What makes markets go up long term? What can make them not?
Replies: 16
Views: 1235

Re: Three Fund Portfolio (give or take a few)

I think at the end of the day the biggest investment decisions you will make is 1). regular saving and 2)your asset allocation - ratio of stocks/bonds. You can get a good representation of the market with a 3 fund portfolio. The slice and dicing of adding a few other funds such as TIPS, Hi-Yield Bon...
by bengal22
Mon Feb 17, 2014 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Three Fund Portfolio (give or take a few)
Replies: 3
Views: 394

Re: Do you balance your checking account?

I balance my checkbook but do it versus online updates rather than a monthly paper statement.
by bengal22
Sun Feb 16, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4882

Re: Need Behavioral Advice (Senior Nutrition)

My Dad is 91 and I think he has earned the right to eat what he wants to eat. I would not worry about it so much.
by bengal22
Thu Feb 13, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 33
Views: 1695

Re: Billing for annual physicals

I had a similar issue with my doctor but the key is how they code it for insurance. Once I got that coding issue resolved with my doctor I have only had to pay a copayment of $25. I think the doctor is going to get his monies one way or the other but they just have to code it preventative visit. And...
by bengal22
Thu Feb 13, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3633

Re: Transitioning when one hits "the number"

I never had a $ number. My only number was the age that I wanted to retire and once I hit that number I wasn't mentally ready so I worked 4 more years. I really think that people overstate what a person needs to retire. While I am now retired I still invest my money with the goal that I not only liv...
by bengal22
Thu Feb 13, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning when one hits "the number"
Replies: 72
Views: 5106

Re: Raising kids in a small town vs. big city/suburbs

If rural life wasn't better why would Eddie Albert, Eva Gabor, and Arnold the Pig move out into the country.
by bengal22
Tue Feb 11, 2014 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4827

Re: When did/do you want stocks to start rising?

One consequence of this observation is that there is no such thing as "good for investors." There may be, "good for young investors" or "good for retired investors" but in reality, those groups want completely different outcomes for their stock investments. The former ...
by bengal22
Tue Feb 11, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: When did/do you want stocks to start rising?
Replies: 58
Views: 3185
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