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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 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 21
Views: 951

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 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 60
Views: 2500

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 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know a good coin dealer in Dayton, Ohio?
Replies: 7
Views: 691

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 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3512

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 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7074

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 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Literacy Quiz by FINRA
Replies: 18
Views: 1020

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 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date and Not a Number
Replies: 5
Views: 515

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 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16175

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 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16175

Re: My front lawn is horrible

advice? sit on the back porch
by bengal22
Sat May 03, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: My front lawn is horrible
Replies: 29
Views: 3096

Re: Graduation books gift for a 24 year old

'Oh the places I could go" by Dr. Seuss
by bengal22
Mon Apr 21, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Graduation books gift for a 24 year old
Replies: 22
Views: 1634

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 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 49
Views: 3932

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 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 16
Views: 1093

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: 2746

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: 2746

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: 7264

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: 825

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: 4037

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: 5936

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: 1178

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: 3660

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: 4037

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: 9985

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: 8858

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: 1019

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: 3275

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: 4257

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: 4257

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: 1020

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: 37747

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: 1020

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: 1020

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: 1020

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: 3300

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: 264
Views: 32564

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: 1648

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: 264
Views: 32564

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: 264
Views: 32564

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: 5854

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: 2248

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: 2248

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: 11530

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: 2248

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: 93
Views: 8864

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: 8810

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: 71
Views: 4461

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: 1826

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: 6722

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: 2734
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