Search found 750 matches

Return to advanced search

Re: What mutual fund companies do you use?

fidelity and vanguard. both equally good at low cost index fund and I also like Wellington, Wellesley and Windsor 2 for my low cost active managed funds.
by bengal22
Tue Jan 27, 2015 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 46
Views: 1550

Re: Anyone regret paying off mortgage early?

I have not paid off my mortgage early and I have no regrets. For me, it is better financially to invest the monies that I would have used to pay off a 3.25% loan. However, I do congratulate those that did pay off their mortgage early and am very glad that it makes you feel more secure/happy. It is o...
by bengal22
Mon Jan 26, 2015 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37143

Re: Poll: Principles of Boglehead Philosophy

Live below your means is not even on the top 10 WIKI list. It does state "save all you can" but I think the emphasis is a lot different. I think some have kidnapped the BH philosophy and emphasized a frugal life style. I think the key is to live a balanced life throughout our life span(acc...
by bengal22
Sun Jan 25, 2015 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3508

Re: Where do you think the stock market heading this year?

Until the media ascertains the affect of "deflategate" on the U.S. economy, I really would be hesitate to hazard a guess upon the direction of the U.S. market.
by bengal22
Sun Jan 25, 2015 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do you think the stock market heading this year?
Replies: 20
Views: 1550

Re: Poll: Principles of Boglehead Philosophy

I still prefer living within your means. I care about the BH philosophy because it enables me to enjoy the things that I enjoy. I think living a frugal lifestyle where one lives below their means is wasting an awful lot of good years. Work hard/smart to have a great income, save to a reasonable goal...
by bengal22
Sat Jan 24, 2015 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3508

Re: Poll: Principles of Boglehead Philosopy

I chose: Keep investment cost low(which leads you to index funds) Diversify Get an investment plan and stick to it I think the comment "Live below your means" should be "live within your means". Bogleism does not advocate being over the top frugal. I think the characteristic - wo...
by bengal22
Fri Jan 23, 2015 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3508

Re: What Movie Have You Recently Watched?

Just saw Inherent Vice. Good thing I had just finished the book, which helped me understand what was going on.

It was a very good movie - P.T. Anderson directed it. If you want a logical A to Z plot don't go. You have to let it sort of flow around you. Just like a character from the 60's.
by bengal22
Thu Jan 22, 2015 7:52 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 471
Views: 55140

Re: I'm thinking about making very large 529 contributions A

why change strategy based on a speech.
by bengal22
Wed Jan 21, 2015 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5068

Re: What counts as "saving"?

Anytime you put monies aside to spend later is saving. Its also investing. Just because risk is low and return is low it is still investing.

Checkbook
Money Market
CD's
T Bills
Bonds
Junk Bonds
Mutual Funds
Stocks
Silver
Gold

Its all saving and it is all investing
by bengal22
Mon Jan 19, 2015 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6698

Re: What Book Are You Currently Reading? Part VI

Inherent Vice - Thomas Pynchon

Once finished I want to dig into a little harder Pynchon - maybe Mason/Dixon or V.
by bengal22
Fri Jan 16, 2015 9:48 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 442
Views: 57210

Re: Is a Sub-4% SWR a Boglehead Quirk?

For those who believe a 4% SWR is based on the worst of times, and feel that one should have and could have the flexibility to adjust the percentage based on good times and bad, I'm curious: If you were to make your annual draw from your portfolio today for 2015, what percentage would you use? I wo...
by bengal22
Tue Jan 13, 2015 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10649

Re: Is a Sub-4% SWR a Boglehead Quirk?

I guess my strategy is to really not have a strategy. I have a fixed level of spending that I can calculate pretty easy and I make major expenditures(vacations, cars) based upon my current income(market valuation, etc.). Maybe that is a strategy. It seems like if you withdraw 4% a year and your port...
by bengal22
Mon Jan 12, 2015 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10649

Re: Social Security and Pension Question:

I keep my portfolio and income separate when I calculate my AA. But it is really just semantics. Because I have a pension and future SS payments, I can be a little riskier(60/40) in my AA. So IMO you can factor in your income and treat it like a bond when you figure your risk assessment. In some way...
by bengal22
Fri Jan 09, 2015 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security and Pension Question:
Replies: 36
Views: 3585

Re: 50/50 simplicity

why is 50/50 simpler than 60/40. or 90/10. Actually 100/0 or 0/100 seems the simplest. why is the goal to be simple? Quick, rebalance $188k 60/40.... Now do it 50/50.... :) But yes, 0/100 or 100/0 are the simplest... :) Quick... why is the goal to be simple. That's the part I do not understand. If ...
by bengal22
Thu Jan 08, 2015 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3135

Re: 50/50 simplicity

why is 50/50 simpler than 60/40. or 90/10. Actually 100/0 or 0/100 seems the simplest. why is the goal to be simple? Quick, rebalance $188k 60/40.... Now do it 50/50.... :) But yes, 0/100 or 100/0 are the simplest... :) Quick... why is the goal to be simple. That's the part I do not understand. If ...
by bengal22
Wed Jan 07, 2015 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3135

Re: "Everything you need to know can be said in 100 words"

pretty well sums it up - and at exactly 100 words.

"Make all you can.
Save all you can.
Diversify.
Lower investment expense through index funds.

15 words.
by bengal22
Wed Jan 07, 2015 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: "Everything you need to know can be said in 100 words"
Replies: 4
Views: 1392

Re: 50/50 simplicity

why is 50/50 simpler than 60/40. or 90/10. Actually 100/0 or 0/100 seems the simplest. why is the goal to be simple?
by bengal22
Wed Jan 07, 2015 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3135

Re: Do you generally spend more when using credit cards?

why is there no option for spend less with credit card. poll bias perhaps? I find cash easier to spend and less trackable.

John
by bengal22
Tue Jan 06, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2702

Re: "The Global Portfolio" -- Vanguard Research

It just seems like we say it is impossible to forecast but yet we sure listen a lot to forecasts. Isn't having high incomes, investing a lot, and sticking with our AA still the best advice.
by bengal22
Sun Jan 04, 2015 9:55 am
 
Forum: Investing - Theory, News & General
Topic: "The Global Portfolio" -- Vanguard Research
Replies: 14
Views: 1115

Re: Paper Statements

I like paper copy as well. I check updates on line but I like a paper summary that I do not have to print.
by bengal22
Sun Jan 04, 2015 9:52 am
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3395

Re: My Christmas Message To You -- 70 Years Ago.

Merry Christmas, Taylor. Thanks for reminding us about sacrifice during this Christmas season.
by bengal22
Fri Dec 26, 2014 11:08 am
 
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 5112

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: 2777

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: 1660

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: 4454

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: 10
Views: 1833

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: 540

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: 647

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: 647

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: 1393

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: 2562

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: 32
Views: 8331

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: 19451

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: 47
Views: 6027

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: 19451

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: 5180

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: 8459

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: 8459

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: 4842

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: 1724

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: 5702

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: 720

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: 3816

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: 7854

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: 1099

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: 532

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: 16688

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: 16688

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: 3464
Next

Return to advanced search