Search found 1067 matches

by bengal22
Fri May 27, 2016 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Money transfers to Vanguard
Replies: 13
Views: 920

Re: Money transfers to Vanguard

I have found it very very hard to transfer IRA money to Vanguard. I have had to fill out forms and have the bank or other agency send a paper check to Vanguard directly. In this regard I found vanguard very difficult to work with and just recently I had an issue with a transfer and it took me 6 week...
by bengal22
Wed May 25, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 299
Views: 48336

Re: What age did you reach 100K networth?

Are we factoring in accounts such as 401K's, ROTH IRA's, etc or are we talking about money that we have IMMEDIATE access to such as taxable investment accounts, checking/saving/CD's, money hidden under the mattress? If we're including ALL accounts, even those that I cannot withdraw from until age 5...
by bengal22
Wed May 25, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 87
Views: 2630

Re: series/ movies filmed in your home town?

Miles Ahead - Carol - The Christmas Spirit - The Ides of March - Rain Man Eight Men Out Airborne- last scene is a rollerblade race through the city ending down on the river Fresh Horses Where in Ohio was this? Cincinnati. It sort of has that 1930-1940 feel(like Tulsa). Lebanon, Ohio also has films ...
by bengal22
Sat May 21, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 87
Views: 2630

Re: series/ movies filmed in your home town?

Miles Ahead -
Carol -
The Christmas Spirit -
The Ides of March -
Rain Man
Eight Men Out
Airborne- last scene is a rollerblade race through the city ending down on the river
Fresh Horses
by bengal22
Wed May 11, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 6605

Re: When is cash better than plastic?

poker
by bengal22
Wed May 04, 2016 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 89
Views: 6663

Re: Fidelity or Vanguard

The whole buy VAnguard because you will be an owner is absolutely "hooey." They have good funds but their customers reps do not treat you like an owner let alone a valued customer. I use both Vanguard and Fidelity because they have good low cost index funds. Fidelity does not pressure its...
by bengal22
Wed May 04, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 89
Views: 6663

Re: Fidelity or Vanguard

Vanguard's main philosophy is low cost products for their customers. I believe the Fidelity has some low cost funds for the sole purpose of competing with Vanguard. I also believe the Fidelity would like to switch their customers to their higher cost products, given the opportunity. I prefer to rew...
by bengal22
Wed May 04, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: Considering buying my own modem
Replies: 43
Views: 2865

Re: Considering buying my own modem

runner9 wrote:Did this nearly 2 years ago, found a modem on ebay. Time Warner tech support talked me though setup, no issues at all.


My understanding is that if you have a land line through Time Warner you have to use their modem. It is a hidden cost of bundling a land line with your package.
by bengal22
Wed May 04, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 89
Views: 6663

Re: Fidelity or Vanguard

I have monies in both companies and both offer comparable index funds. Vanguard does seem to have very low experienced customer service reps that are not knowledgeable about anything that you need to conduct any type of transaction. But with a little patience that can be overcome with persistence. I...
by bengal22
Wed May 04, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Things to do in Cincinnati
Replies: 13
Views: 760

Re: Things to do in Cincinnati

I don't know about nightlife(bars) so much but there are some great places to eat: Jeff Ruby's Precinct. Or his downtown restaurant Jeff Ruby's. Terry Turf Club or Quatman for hamburgers Graeters for Ice Cream - absolutely the best anywhere in U.S. I have been Mt. Washington Chili Boca - upscale din...
by bengal22
Sun May 01, 2016 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard represent me with the rollover?!
Replies: 14
Views: 1451

Re: Can Vanguard represent me with the rollover?!

I am currently having a bad experience doing a direct rollover into Vanguard. I even had a Vanguard rep refuse to call the sending organization with me on the phone. The process VG had me do was to give me the information to fill out on the request and then I mailed it in and then all communication ...
by bengal22
Sat Apr 30, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: Dress Pants
Replies: 13
Views: 1753

Re: Dress Pants

This made Bengal22 think of munchkinman and his pants post.

viewtopic.php?f=11&t=114449
by bengal22
Fri Apr 29, 2016 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 151
Views: 11079

Re: Is Vanguard phone support always this bad?

I am in the middle of an absolute horrible experience trying to get a rollover into Vanguard. They have been absolutely no help and they really do not give any indication that they really care. While most of the issue is the sender of the rollover, Vanguard could have handled this issue with just a ...
by bengal22
Wed Apr 27, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 15595

Re: Stanley Kubrick's 2001 a space odyssey

Good list but please do not forget the all time classic SF movie - Logan's Run. I am taking that as ironic? ;-). What most British males have never recovered from is Jenny Agutter with her clothes off. As a child actress she played one of the children in the classic The Railway Children which every...
by bengal22
Tue Apr 26, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 22k?
Replies: 5
Views: 672

Re: What to do with extra 22k?

Seems like you would just invest it at your desired AA, filling first non-taxable limits, and then sticking it in your taxable accounts. AA not familiar with that term? Our Roths are maxed out this year 5.5k each. Should I just hold onto it and use it for future Roths? No, I found it useful to alwa...
by bengal22
Tue Apr 26, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 56400

Re: Question for the Bogleheads Millionaires

of money 2. Start saving regularly in your early 20's and never stop p.s. living below your means is overrated I always remember those early IRA ads that showed the beauty of compound interest. So if you invest x amount every year starting at the age of 21 you will be a millionaire before you retir...
by bengal22
Tue Apr 26, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 15595

Re: Stanley Kubrick's 2001 a space odyssey

I always feel like I should like this movie. I'm a major-league space nerd who grew up on the original Star Wars movies and Star Trek reruns. I also read all of the books in the series, and the sequel, 2010, is perhaps my favorite movie of all time. In fact, I saw 2010 when it came out in the theat...
by bengal22
Mon Apr 25, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: Social Security loopholes closed
Replies: 19
Views: 2762

Re: Social Security loopholes closed

I would not call them loopholes. They merely changed the law to generate less payments to retirees.
by bengal22
Mon Apr 25, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1949

Re: Holes in the heels of black dress socks

walk on your toes more.
by bengal22
Wed Apr 20, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 22k?
Replies: 5
Views: 672

Re: What to do with extra 22k?

Seems like you would just invest it at your desired AA, filling first non-taxable limits, and then sticking it in your taxable accounts.
by bengal22
Wed Apr 20, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: What do you wish you had known in your early 20's?
Replies: 46
Views: 4687

Re: What do you wish you had known in your early 20's?

"What do you wish you had known in your early 20's?"

All of the Kentucky Derby winners from 1975 through 2015.
by bengal22
Mon Apr 18, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing help!! standard vs itemized? passive or general category income?
Replies: 11
Views: 862

Re: Tax filing help!! standard vs itemized? passive or general category income?

If you are using a tax program that does both fed and state go ahead and enter all deductions and let the program use it to help you if it can. Sometimes medical helps your state return even if it is below 10 per cent of your AGI.
by bengal22
Mon Apr 18, 2016 6:32 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 10925

Re: When was the most stressful financial time in your life?

What was the most stressful time in your life financially and what did you learn from it? What if anything did you change after that time in how you handled your finances? My first prom we went to an upscale restaurant and I was very intimidated when the bill came and I had to decide how much to ti...
by bengal22
Mon Apr 18, 2016 6:29 am
Forum: Personal Consumer Issues
Topic: baseball-based board games?
Replies: 11
Views: 943

Re: baseball-based board games?

I LOVED playing Strat-o-matic baseball when I was a kid. I don't recall how well it taught rules, but we would play this HOURS at a time. http://www.strat-o-matic.com/products/baseball I vote for Strat-O-Matic as well. But nothing beats going outside and playing the real thing. The rules will come.
by bengal22
Sun Apr 17, 2016 6:32 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 11
Views: 1444

Re: Mitsubishi ductless heating/cooling unit

Condensate water simply goes out a tube through the same hole in the wall that the refrigerant line and power comes through. Of course if the unit is sized too large, it will cool the room very cold but not produce any condensate at all. Alas. Then you'll have a cold, clammy, humid room. The unit i...
by bengal22
Sat Apr 16, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 11
Views: 1444

Mitsubishi ductless heating/cooling unit

I have a basement that unfortunately is finished and not easily adapted for adding registars and return vent. Has anyone had any experience with a Mitsubishi One Zone ductless system?
by bengal22
Sat Apr 16, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Experience with CapitalOne?
Replies: 28
Views: 2115

Re: Experience with CapitalOne?

I stopped using CapitalOne. They would not easily give me a 1.5% or 2% reward card even though I had been with them for a while. I have a .75% reward card and they were very condesending with me when I wanted to change to a 2% card. So I condesended my way right over to a Fidelity Visa card.
by bengal22
Fri Apr 15, 2016 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 3820

Re: Meeting with a Fidelity Financial planner, is it useful?

I had an in-person no=cost meeting with a Fidelity planner. They helped me populate the retirement planner and overall I found the session value added. They did not push any high ER funds but this is something you have to sense check with your experience.
by bengal22
Fri Apr 15, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 5063

Re: If wall street is rigged and corrupt , why invest in it?

IMO only Hollywood and politicians tell you that Wall Street is rigged and corrupt. Are there individuals that break laws and you have to be careful with? Absolutely? Is the system rigged? Absolutely not.
by bengal22
Thu Apr 14, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Filed my Form 4868 this week (extension to file tax return)
Replies: 31
Views: 1211

Re: Filed my Form 4868 this week (extension to file tax return)

I have never filed an extension and do not foresee filing an extension unless I have some complicated issue that makes hitting the deadline impossible. If I am owed money why would I file an extension? If I owe money filing an extension does not absolve me from paying my tax bill on time(I would pay...
by bengal22
Tue Apr 12, 2016 3:28 pm
Forum: Investing - Theory, News & General
Topic: Methuselah fund: Vanguard?
Replies: 16
Views: 2369

Re: Methuselah fund: Vanguard?

... I think you can name a child as a beneficiary and then they hopefully follow your wishes(and so on down the line until your 100 years are up). If each generation is 30 years, if you do it outright rather than in trust, the fund will be cut in half by estate taxes (or reduced by 40% if your desc...
by bengal22
Mon Apr 11, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1629
Views: 340322

Re: What Movie Have You Recently Watched?

Steve Jobs / I had been avoiding this movie because I thought it would be a boring bio-pic. But the structure of the movie around 3 product launches was brilliant and I thought the overriding story line of Jobs' relationship with his daughter(initially denied) was very touching. It brought home the...
by bengal22
Sun Apr 10, 2016 6:36 am
Forum: Investing - Theory, News & General
Topic: Methuselah fund: Vanguard?
Replies: 16
Views: 2369

Re: Methuselah fund: Vanguard?

Well I am not talking about a perpetual trust here. There could easily be a time limit, for example 100 or 200 years. There's also an element of risk in that they could be made illegal, etc. But I think it would be a great and imaginative product that I would definitely consider buying into. Thanks...
by bengal22
Sat Apr 09, 2016 4:40 pm
Forum: Investing - Theory, News & General
Topic: Methuselah fund: Vanguard?
Replies: 16
Views: 2369

Re: Methuselah fund: Vanguard?

If you have 25k get a vanguard donor based account and specify to your heirs not to donate from account for a 100 years. In that time period global cooling might be a good cause. :D
by bengal22
Fri Apr 08, 2016 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Rate of return in Fidelity 401k account
Replies: 6
Views: 909

Re: Rate of return in Fidelity 401k account

Thank you for your answer. However I have a question. The rate of return for 3 years or 5 years is annual rate of return or cumulative rate of return in 3 or 5 years? I have a 3 year return of 8%, but I don't think it is annual 8%. Look for the "Since Date Purchased" column under Annualiz...
by bengal22
Wed Apr 06, 2016 8:59 pm
Forum: Investing - Theory, News & General
Topic: [DOL Rule on Fiduciary Standard is Released]
Replies: 105
Views: 5672

Re: Thoughts on ObamaRule?

...401ks were a terrible system for retirement to begin with, and they've gotten infinitely worse in the past two decades. ... I have to take issue with this. IRAs and 401ks have been invaluable for my wife and I personally in preparing for retirement. My current 401k has a very low cost index fund...
by bengal22
Wed Apr 06, 2016 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return in Fidelity 401k account
Replies: 6
Views: 909

Re: Rate of return in Fidelity 401k account

My fidelity account under the performance tab shows ytd, 1,5,10 year and since inception rate of return.
by bengal22
Tue Apr 05, 2016 8:25 pm
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 7274

Re: Are you planning to leave an "estate"?

Yes I plan on leaving funds to my children and grandkids. I also plan to help them while wife and I are alive. I did not work hard and invest wisely to indulge myself.
by bengal22
Tue Apr 05, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Thought I was on the right track, but apparently not
Replies: 60
Views: 5003

Re: Thought I was on the right track, but apparently not

fortysixandtwo wrote:
bengal22 wrote:Try another retirement calculator. You are in great shape.


I tried to different ones, include Vanguard's. I feel like I must be missing something. I will plug in the numbers and post some results.


I use the one on fidelity.
by bengal22
Tue Apr 05, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Thought I was on the right track, but apparently not
Replies: 60
Views: 5003

Re: Thought I was on the right track, but apparently not

Try another retirement calculator. You are in great shape.
by bengal22
Sun Apr 03, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with CapitalOne?
Replies: 28
Views: 2115

Re: Experience with CapitalOne?

I had Capital One Visa for over 10 years and I switched to the Fidelity Visa. The reps at Capital One upset me because I could not upgrade from .75% payback to 1.5% without dropping current card and opening a new account. My fidelity card gives me 2% cash back. Capital One was good and catching a co...
by bengal22
Wed Mar 30, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: help for three funds portfolio options, fidelity
Replies: 5
Views: 768

Re: help for three funds portfolio options, fidelity

Darthvader wrote:Thanks,. If you had to choose how much weight would you put into emerging markets. I just realized FPMAX and FSGDX aren't available.


I put 25% of my international in emerging market. I do this instead of the total international market that Fidelity offers which includes emerging market.
by bengal22
Sun Mar 27, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: help for three funds portfolio options, fidelity
Replies: 5
Views: 768

Re: help for three funds portfolio options, fidelity

I use

FSTVX- Total Stock
FSITX- total bond

FSIVX - International(w/o emerging market)
FPMAX - Emerging market- about 35% of my international allocation)

I know that's 4
by bengal22
Sun Mar 27, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 9182

Re: leaving vanguard due to math errors / poor customer service?

retiredjg wrote:PS. Don't buy Vanguard funds at Fidelity. The transaction fees sort of defeat the "low cost investing" approach. Use Fido's Spartan Funds or the NTF iShares ETFs.


no need to buy vanguard funds at Fidelity. They have just as good index funds at Fidelity.
by bengal22
Sat Mar 26, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 65
Views: 6410

Re: 2 Buckets or 3 Buckets in Retirement??

People my age do not keep buckets around for fear we may kick one. :sharebeer
by bengal22
Tue Mar 22, 2016 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Consolidate nest egg at Vanguard?
Replies: 29
Views: 2481

Re: Consolidate nest egg at Vanguard?

Vanguard and Fidelity are equally good. I like having monies split between the two. I do not see it as a complication.
by bengal22
Tue Mar 22, 2016 9:19 am
Forum: Personal Finance (Not Investing)
Topic: How much is your allowance?
Replies: 40
Views: 3783

Re: How much is your allowance?

No budget; no allowance. When working did giving first, investment second, bills third, and spent the rest. Now that I am retired we just spend what we need or want to spend. The beauty of bogleism is that you do not have to worry so much about budgeting and spending.
by bengal22
Thu Mar 17, 2016 6:09 pm
Forum: Personal Consumer Issues
Topic: Well, I caved [bought new car]
Replies: 38
Views: 5122

Re: Well, I caved [bought new car]

Because we are Bogleheads we can afford to buy new cars. Enjoy.
by bengal22
Sun Mar 13, 2016 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Fidelity to Vanguard
Replies: 19
Views: 2118

Re: Moving from Fidelity to Vanguard

I've moved retirement funds from Fidelity to Vanguard 3 times, but they were all employer accounts going into a traditional IRA, so Fidelity would not do it electronically. The last two instances were to actually close out the Fidelity accounts. Fidelity cut a check made out to VG [fbo my IRA] and ...

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