Search found 922 matches

by bengal22
Sat Aug 29, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 109
Views: 5493

Re: Aug 2015 correction: what Bogleheads did...

Pretty much just held the course because I don't rebalance on such short term dips. I was actually right on with my targeted percentages. It really is an individual decision and not anything to feel shame. Plus, I am not even close to having anything in my taxable portion to tax loss harvest. I stil...
by bengal22
Thu Aug 27, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: Don't Sell on the Dips
Replies: 7
Views: 1502

Re: Don't Sell on the Dips

One never knows during a dip that it is not a plunge and one never knows during a blip that it not headed toward a peak. Stay the course.
by bengal22
Tue Aug 25, 2015 5:03 pm
Forum: Investing - Theory, News & General
Topic: Crash =rebalance
Replies: 2
Views: 435

Re: Crash =rebalance

that is one way to look at it. :D
by bengal22
Sun Aug 23, 2015 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Passed up for a promotion, now what?
Replies: 34
Views: 4465

Re: Passed up for a promotion, now what?

I strongly believe that everyone should always be in a "look" mode. While you continue to work hard and strive for advancement, you should always be working toward your next job - either internal or external. Focus on networking and building up a strong set of supporters - both internally ...
by bengal22
Sun Aug 23, 2015 6:50 am
Forum: Investing - Help with Personal Investments
Topic: How do I find my returns at the end of the year
Replies: 4
Views: 319

Re: How do I find my returns at the end of the year

To use that approach you should weight your return by how much % you have in each fund(40,40,20 for example). I just take the beginning value and end value and calculate % of increase(or decrease). Of course you would have to factor in any contributions or withdrawals- being retired it is pretty eas...
by bengal22
Thu Aug 20, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellington - What Role Does It Play?
Replies: 17
Views: 2125

Re: Vanguard Wellington - What Role Does It Play?

Use it for Taxable portion of portfolio. Since I am retired and delaying SS, I do get some income from both Wellington and Wellesly. They are both similar to index funds because they are low cost and maintain a specified split between Stocks and Bonds. They have been good to me over the years.
by bengal22
Tue Aug 18, 2015 11:55 am
Forum: Investing - Theory, News & General
Topic: Bear Market Strategy
Replies: 18
Views: 2499

Re: Bear Market Strategy

The theory is that you cannot predict accurately a bear or bull market. Since the majority of market swings occur on a few, select dates trying to forecast market direction is ineffective at best. So, the recommendation is to pick an AA and stick with it.
by bengal22
Tue Aug 18, 2015 11:50 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 181
Views: 23927

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

tphp99 wrote:If you've won the game... by definition it's over.

How can you keep playing?


ask any celtic(not the dancers) fan. Red Auerbach used to light up a cigar on the bench when the Celtics "had the game won." But yet they still had to play until the clock ran out.
by bengal22
Wed Aug 12, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3709

Re: Is 401K Match included when someone asks you how much you make per year?

I never included benefits as part of my salary. But yet it is really important to weigh the benefits when deciding on new jobs: combination of benefits and salary. But usually salary drives the benefits on a percentage basis.
by bengal22
Sun Aug 09, 2015 7:19 am
Forum: Personal Finance (Not Investing)
Topic: References in retirement
Replies: 5
Views: 1002

Re: References in retirement

Never stop networking. You just never know. I still try to stay in contact with the people who helped me and who I helped back in the productive days.
by bengal22
Sat Aug 08, 2015 11:18 am
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 78
Views: 6371

Re: Aloha Shirt: Yes or No

I personally do not believe that a tasteful Hawaiian shirt can be purchased at Kohl's, Costco and some other places. I would use those shirts to work on my spouse's car. Not true. Costco has some very nice silk Jamaica Jaxx brand shirts. I think the real oxymoron is the phrase "tasteful Hawaii...
by bengal22
Tue Aug 04, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Definition of "Success", Investing or Otherwise?
Replies: 16
Views: 1621

Re: What's Your Definition of "Success", Investing or Otherwise?

We all know that Richard Cory did not achieve success.

To me, real success is making everyone around you just a little bit(or a lot) better,
by bengal22
Mon Aug 03, 2015 8:42 am
Forum: Investing - Theory, News & General
Topic: Which is more optimal in retirement? Total return vs. income investing
Replies: 41
Views: 3560

Re: Which is more optimal in retirement? Total return vs. income investing

My current strategy is to focus solely on the total return of my portfolio. Other than some dividends that are in my taxable accounts I convert the shortfall between my pension and expenses by converting my portfolio(taxable portion for now) to cash. However, I am low 60's and not taking SS yet. My ...
by bengal22
Mon Aug 03, 2015 8:03 am
Forum: Investing - Theory, News & General
Topic: [How often do you check on your investments?]
Replies: 43
Views: 2157

Re: [How often do you check on your investments?]

Monday, Tuesday, Wednesday, Thursday, Friday, Saturday

If I am at home, and on the computer, I check my investments. Takes 60 seconds. I also check on the Reds, Bengals, and Buckeyes, E Mail, and several newspapers. I suspect those that say they never check still know what the market does every day.
by bengal22
Fri Jul 31, 2015 9:33 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11234

Re: Retirees: Questions you hate being asked

"How can someone as young and good looking as you be retired?"
by bengal22
Fri Jul 31, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 363
Views: 153575

Re: TV show recommendations?

Catastrophe- Amazon Prime
The wire - Amazon Prime
Downton Abbey - Amazon Prime
Breaking Bad - Netflix
You better Call Saul - AMC
Mad Men -
by bengal22
Fri Jul 31, 2015 8:36 am
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 66
Views: 5608

Re: bogleheadism == Vanguard?

Even though I hold both Fidelity and Vanguard index funds, I strongly believe that Vanguard best represents the boglehead philosophy. However, there are issues with customer service and their recent push of their investment advice service does cause some concern that they are moving more toward incr...
by bengal22
Fri Jul 31, 2015 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 71
Views: 5362

Re: Frustrated with low raise

2 points. 1.) Raises aren't supposed to be rewards and shouldn't be looked at as such. Your boss was likely given a budget and had no authority to go over that budget. I suspect this will account for 100% of the issue. 2.) "Job hopper" isn't really a pejorative term anymore. If you've bee...
by bengal22
Fri Jul 31, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 71
Views: 5362

Re: Frustrated with low raise

I recently had my performance review and received "exceed expectations" on nearly all categories and "meets expectations" on a couple of categories. My boss had no suggestions for improvement. However, I am unhappy that I only received a 3% raise, despite working a substantial n...
by bengal22
Wed Jul 29, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3783

Re: Retirees: Social Security and Expenses

Retired and not collecting S.S. yet.
by bengal22
Tue Jul 28, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13785

Re: Would you look down on a co-worker for driving a beater?

The disagreement, however, is on what it's saying. Is the driver of the beater car saying "I'm broke and can't afford anything better?" Or are they saying, "I'm completely lacking in self-awareness and think my car looks perfectly fine?" I saw a beater the other day driving up t...
by bengal22
Thu Jul 23, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Explanatory Websites/Resources
Replies: 6
Views: 865

Re: Social Security Explanatory Websites/Resources

prudent wrote:I recommend Mike Piper's book "Social Security Made Simple" to understand the options. And the SSAnalyze tool at bedrockcapital.com to run claiming scenarios.


The SSanalyze tool was easy and very informative. Of course, I have to assume it is accurate. Is it?
by bengal22
Thu Jul 23, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I consider Social Security Benefits as Assets
Replies: 44
Views: 2863

Re: Should I consider Social Security Benefits as Assets

Seems like there are two things that are important at retirement(at least 2); 1. Net Worth 2. Income Flows IMHO, SS falls into income flows. So to plan for retirement one needs to know his forecasted expense and his forecasted income(pension, SS, Part time jobs, RMD's, royalities, etc) and estimate ...
by bengal22
Thu Jul 23, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bogle backfire?
Replies: 66
Views: 7886

Re: Bogle backfire?

I am a follower of the boglehead tenets. While new member, I am a long time lurker and have spent tons of time reading the site and books from Bogle, Swedroe and cohorts. I have some observations and experiences that I wanted to share. This is meant more as a discussion than a critique of Boglehead...
by bengal22
Thu Jul 23, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 7114

Re: Greatest money lesson movie

Moneyball - At the end of the day even if you are successful with your investments and you look like Brad Pitts - family still ranks number 1
by bengal22
Wed Jul 22, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bogle backfire?
Replies: 66
Views: 7886

Re: Bogle backfire?

I am a follower of the boglehead tenets. While new member, I am a long time lurker and have spent tons of time reading the site and books from Bogle, Swedroe and cohorts. I have some observations and experiences that I wanted to share. This is meant more as a discussion than a critique of Boglehead...
by bengal22
Mon Jul 20, 2015 9:41 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3630

Re: When did you start investing in the Market?

Started 1981 with company matched purchase of GM stock.
3 or 4 years later started to invest in Vanguard mutual funds. The crash in the 80's taught me to hold the course and at that time I even took CD money to buy at the bottom. But I was young then and had a long horizon.
by bengal22
Sat Jul 18, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why did you take SS at FRA instead of delaying until 70?
Replies: 69
Views: 8084

Re: Why did you take SS at FRA instead of delaying until 70?

IMHO, At the end of the day, our decision when to take Social Security will mean very little to my end game. I am currently 63 and my plan is to take it at 66 and my wife will start her spousal(at 64). I have crunched a few scenarios(5) and the optimum is probably me filing and suspending until 70 a...
by bengal22
Mon Jul 13, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: "Winning the Loser's Game (third edition)" -- A Gem
Replies: 13
Views: 2164

Re: "Winning the Loser's Game (third edition)" -- A Gem

Thanks for the quotes, Taylor. They are like the Proverbs of Finance. Regarding the quote below, if it is difficult to predict the future and pick stocks wouldn't the statement be more like: Managers that have had superior results in the past are no more likely to have superior results in the futur...
by bengal22
Mon Jul 13, 2015 1:26 pm
Forum: Investing - Theory, News & General
Topic: "Winning the Loser's Game (third edition)" -- A Gem
Replies: 13
Views: 2164

Re: "Winning the Loser's Game (third edition)" -- A Gem

Thanks for the quotes, Taylor. They are like the Proverbs of Finance. Regarding the quote below, if it is difficult to predict the future and pick stocks wouldn't the statement be more like: Managers that have had superior results in the past are no more likely to have superior results in the future...
by bengal22
Mon Jul 13, 2015 6:36 am
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19714

Re: What 2008/09 has done to me

This thread highlights two thoughts for me. 1. The markets are a reflection of the state of the economy. Anytime there are deep drops in market prices, there are real life stories being impacted. There are people losing jobs, homes, etc. Plus, there can be long reaching impacts that involves everybo...
by bengal22
Sat Jul 11, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Pulling equity out of home to invest?
Replies: 71
Views: 5295

Re: Pulling equity out of home to invest?

I would never, ever do it. The thing that surprises me a little about this thread is that everyone is telling you not to do it, but if you research the site for posts asking whether it makes sense to prepay a mortgage, my impression is that most of the responses suggest not to because people argue ...
by bengal22
Sat Jul 11, 2015 7:22 am
Forum: Personal Finance (Not Investing)
Topic: who do you have your term life insurance with?
Replies: 32
Views: 2227

Re: who do you have your term life insurance with?

i do not have life insurance.
by bengal22
Fri Jul 10, 2015 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Pulling equity out of home to invest?
Replies: 71
Views: 5295

Re: Pulling equity out of home to invest?

Like most questions - financial, social, political, spiritual - the answer is it depends. Every circumstance requires a different answer. In most cases, I would think it is a bad idea, especially if the money is to be used for some speculative investment(word used loosely). If you currently have no ...
by bengal22
Thu Jul 09, 2015 2:53 pm
Forum: Investing - Theory, News & General
Topic: Calculation of Asset Allocation to Gauge Risk to Net Worth
Replies: 12
Views: 883

Re: Calculation of Asset Allocation

I look at asset allocation as being a snapshot of my current investment allocation. I do not include any tax liabilities, future events, social security, etc. I use asset allocation to help me hold the course and to have some stability in my investment.
by bengal22
Thu Jul 09, 2015 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course vs. TLH
Replies: 20
Views: 1738

Re: Stay the course vs. TLH

If I sell Vanguard S&P500 index fund at a tax loss and buy Vanguard Large-cap index fund immediately (I do an exchange), does my asset allocation change? Does the amount I have invested change? Do I have more equities than before, less equities than before, or the same amount of equities as bef...
by bengal22
Thu Jul 09, 2015 9:05 am
Forum: Investing - Theory, News & General
Topic: "Vanguard's recommended international allocation."
Replies: 63
Views: 6879

Re: "Vanguard's recommended international allocation."

Vanguard's Portfolio Watch Tool recommends between 30 and 50 percent. I have 28% and get flagged with a "Consider" alert to add additional foreign stocks. This is fairly new in that in the more distant past I was not flagged having only 28%. I have learned to ignore Vanguard's alerts. Add...
by bengal22
Wed Jul 08, 2015 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: NYSE halted **Mutual Fund Trade**
Replies: 11
Views: 1268

Re: NYSE halted **Mutual Fund Trade**

it will go through. eventually.
by bengal22
Tue Jul 07, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 119
Views: 11573

Re: What is the best meal you've had at a restaurant?

Food Network picked Dayton's Pine Club as the 2nd best steakhouse in the U.S. Never been to #1 so I would have to say my best steak ever was from the Pine Club. Jeff Ruby's Precinct in Cincy is a close 2nd. Most memorable meal at a restaurant was probably the one to celebrate my parent's 70th weddin...
by bengal22
Tue Jul 07, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9478

Re: What age did you become debt free and what opportunities did it create?

I am retired and probably will never be debt free. I have a low rate(3.25%) mortgage that will be paid off in 11 years. I also use a credit card, that earns 1.5% payback, that I pay off every month(but its still debt). Never found affordable debt to be stressful. Never found affordable debt to consu...
by bengal22
Sat Jul 04, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Eating Out
Replies: 57
Views: 7037

Re: Eating Out

If it's not a financial issue, why worry over eating out. You have earned it. BH encourages one to live within their means, not to live the life of a monk. No where does the Bogle Creed tell us to agonize over spending. The Bogle Creed actually frees us through wise investing and wise spending to li...
by bengal22
Fri Jul 03, 2015 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: How often should I check my accounts online?
Replies: 20
Views: 2370

Re: How often should I check my accounts online?

I check every evening because it is quick and easy and I enjoy following. I adjust my holdings when it is time to re-balance. I do not see any correlation to the frequency of my checks to the frequency of my transactions.
by bengal22
Thu Jul 02, 2015 7:16 pm
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 20156

Re: Do you buy used cars like a Boglehead actually should?

I always thought we adhere to the Boglehead investing philosophy so we don't have to buy used cars.
by bengal22
Thu Jul 02, 2015 3:26 pm
Forum: Investing - Theory, News & General
Topic: 10 Year Anniversary
Replies: 2
Views: 737

Re: 10 Year Anniversary

I am coming up on my 30th year with Vanguard. Hoping for a watch.
by bengal22
Mon Jun 29, 2015 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 3755

Re: What happens when Admiral Shares drop below $50K?

I'm in a Vanguard fund with a $50K qualifier for Admiral Shares, which I had when I bought shares. Now that my fund balance has dropped below $50K because of losses, will I be kicked out of the Admiral Shares into the Investor Shares? No. I occasionally drop below 50K on certain funds(sometimes due...
by bengal22
Sun Jun 28, 2015 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Drawing from Retirement Savings to Delay SS
Replies: 43
Views: 4570

Re: Drawing from Retirement Savings to Delay SS

. How much of your retirement savings in percentages do you plan on depleting in order to fund your delay? Do not have a planned amount but my net worth is still going up with me pulling out about 2% 2. Are you currently delaying? yes 3. Will/does the performance of your portfolio change your saving...
by bengal22
Sat Jun 27, 2015 10:16 am
Forum: Forum Issues and Administration
Topic: Can we put up to vote if forum members want to see topics that are financial but related to politics
Replies: 22
Views: 2583

Re: Can we put up to vote if forum members want to see topics that are financial but related to politics

I would not like to open up forum to political issues. This forum is about investing, retiring, consuming, etc. See way to much political division on facebook and other social media.
by bengal22
Thu Jun 25, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 14
Views: 1489

Re: Electric Bicycles

I would definitely go cordless.
by bengal22
Tue Jun 23, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25577

Re: What was the 2008 crash like in real time?

Being an investment forum, we always tend to focus on the "what happened to me" aspect of a deep recession. For me, I was lucky. While I lost my job through a forced retirement(treated great though with severance and pension), I got a better job and was able to invest heavily in the 2007-2...
by bengal22
Mon Jun 22, 2015 4:25 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Books
Replies: 56
Views: 7588

Re: Your Top 10 Books

Bible
Huckleberry Finn ...Twain
V...Pynchon
Catcher in the Rye...Salinger
Power and the Glory...Greene
Grapes of Wrath...Steinbeck
Dune Triology(first 3)....Herbert
Run Rabbit Run...Updike
Human Stain...Roth
Great Gatsby...Fitzgerald

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