Search found 1003 matches

by bengal22
Sat Feb 13, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Charities for Bogleheads?
Replies: 50
Views: 2685

Re: Charities for Bogleheads?

I donate to my church and local performing arts, and a few disease related organization. My first priority is my church, which does outreach work.
by bengal22
Wed Feb 10, 2016 8:47 am
Forum: Personal Consumer Issues
Topic: The Retirement Problem: What Will You Do With All That Time?
Replies: 66
Views: 5492

Re: The Retirement Problem: What Will You Do With All That Time?

The article points out a very real problem in retirement. Many of us found some of our self-identity in work and when that goes away it can be a "very big loss." Besides financial plans one should also know that this could be an issue and be prepared to handle it. One can find their identi...
by bengal22
Tue Feb 09, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: What would you do differently, if you get twice the money in paycheck AND/OR twice in your portfolio ?
Replies: 13
Views: 765

Re: What would you do differently, if you get twice the money in paycheck AND/OR twice in your portfolio ?

Set up college trusts for grandkids
Set up larger trust for giving
Get a new truck

I will do these things anyway but all 3 would be bigger
by bengal22
Mon Feb 08, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Help Splitting a Target Date Fund
Replies: 15
Views: 1025

Re: Help Splitting a Target Date Fund

What are you trying to accomplish? Are these funds in a taxable or non-taxable account?
by bengal22
Thu Jan 28, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 276270

Re: What Movie Have You Recently Watched?

Due to more rain than normal, I have seen Star Wars, Joy, Concussion, Revenant, the big short, and Brooklyn this month. I would recommend all of them but my favorite was Brooklyn, which I absolutely loved and seemed simple but flawless in its storytelling.
by bengal22
Tue Jan 26, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about moving to Fidelity or Vanguard
Replies: 10
Views: 626

Re: Thinking about moving to Fidelity or Vanguard

Fidelity and vanguard are equally good and both have worked for me. With index funds both have comparable expenses.
by bengal22
Fri Jan 22, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Worth it to get advice from Fidelity?
Replies: 24
Views: 1217

Re: Worth it to get advice from Fidelity?

Comments that food advisors are salesmen do not reflect my experiece. I have had several sessions and we used the retirement income planner as the vehicle to sense check my plan. It is good to hear other opinions to help one sense check ones plan.
by bengal22
Sat Jan 16, 2016 10:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 276270

Re: What Movie Have You Recently Watched?

Joy = b+
Concussion = b
by bengal22
Wed Jan 13, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 276270

Re: What Movie Have You Recently Watched?

Star Wars 7 = A +
Hateful 8 = C+
by bengal22
Wed Jan 13, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your CD ladder?
Replies: 15
Views: 2078

Re: Where do you keep your CD ladder?

whatistiaa wrote:
bengal22 wrote:Stopped doing CD's 10 years ago.


What do you do instead?

Bond funds. If interest rates ever go higher I will reconsider.
by bengal22
Mon Jan 11, 2016 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your CD ladder?
Replies: 15
Views: 2078

Re: Where do you keep your CD ladder?

Stopped doing CD's 10 years ago.
by bengal22
Mon Jan 04, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 646
Views: 14619

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

Because the bengals won 12 games and are in the playoffs for the fifth straight year, I think SP 500 will end year at 2143!
by bengal22
Mon Dec 28, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Which other 'must-read' websites and blogs do YOU read?
Replies: 42
Views: 6219

Re: Which other 'must-read' websites and blogs do YOU read?

Bengals.com
NFL.com
nyt.com
wsj.com
rollingstone.com
kiplinger.com
usatoday.com
bengals.com
by bengal22
Sat Dec 26, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 811

Re: Roku remote problems

I just take the battery out and then put it back in and it always worked. Or unplug the Roku. One of those 2 things always worked.
by bengal22
Fri Dec 25, 2015 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Beginner investing [US ex-pat, living in Israel]
Replies: 46
Views: 2181

Re: A stupid question,But still [How do I start investing?]

I started out a long long long time ago by mailing a check to Vanguard. Start out simple but invest every pay check by mailing a check with a deposit slip to Vanguard. This can also be done electronically but the main thing is to get in the HABIT of investing. Pick some simple index funds and then a...
by bengal22
Thu Dec 24, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 8100

Re: Writing checks - a Bogleheads thing to do?

I write checks only when absolutely necessary. Otherwise, it's credit cards 95% of the time. What really surprises me is the number of people who still use cash. When I get lunch at my work cafeteria, I'm amazed at the number of people who still pay with cash and do so despite getting back change (...
by bengal22
Thu Dec 24, 2015 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Age in Bonds
Replies: 108
Views: 7895

Re: Age in Bonds

There are two basic ways to take Social Security into account when considering asset allocation. 1) It's an income stream, therefore you don't need as much from your portfolio. With less need for portfolio return, you could reduce your stock allocation (all else being equal). OTOH, with more safe i...
by bengal22
Thu Dec 24, 2015 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Selling house - am I legally or ethically obligated to disclose this?
Replies: 50
Views: 5208

Re: Selling house - am I legally or ethically obligated to disclose this?

Ethically obligated.... yes
Legally obligated... only if you get caught.

I would think you should disclose the incident and outline steps of mitigation. I do not see how this will hinder selling the house.
by bengal22
Wed Dec 23, 2015 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Age in Bonds
Replies: 108
Views: 7895

Re: Age in Bonds

I am 64 with a semi-pension and will be drawing S.S. at a later date. These sources of income allow me to do Age-20 and I have no plans to change.
by bengal22
Fri Dec 18, 2015 5:29 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 49
Views: 4124

Re: Do you reinvest your dividends/capital gains?

Since I am retired I use the distributions from my taxable account toward expenses(especially end of year stuff like giving and property tax.)
by bengal22
Wed Dec 16, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Christmas Time : How to not appear rude
Replies: 67
Views: 7312

Re: Christmas Time : How to not appear rude

I'm not sure that I'm effectively communicating. It's not that I don't want to get them things - it's that I want them to save their money and spend it on themselves while I also give them gifts. I always get things I don't need or don't use and it's a waste of their money. I'm in a far better fina...
by bengal22
Tue Dec 15, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: Too old to change career?
Replies: 23
Views: 2484

Re: Too old to change career?

It is never too old to change careers and I applaud your Dad for having a plan and some energy to achieve it. Good Luck.
by bengal22
Sun Dec 13, 2015 5:33 pm
Forum: Investing - Theory, News & General
Topic: reinvest or put in money market
Replies: 11
Views: 1097

Re: reinvest or put in money market

I am a retiree and I use my taxable account distributions to live. If you have other sources of income to cover living then by all means reinvest.
by bengal22
Sun Dec 13, 2015 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I continue to postpone Social Security?
Replies: 27
Views: 2438

Re: Should I continue to postpone Social Security?

It is your decision but I am not sure I would want to reduce my portfolio too much from where you currently are.
by bengal22
Wed Dec 09, 2015 6:25 pm
Forum: Personal Consumer Issues
Topic: Outdoor gas grill recommendation
Replies: 58
Views: 2665

Re: Outdoor gas grill recommendation

I would recommend Weber as well. Cheap ones rust away quick. When I bought mine, I first got Lowe's gift cards at Krogers and used the cards for purchase. Not a sale but at least I got $.50 off each gallon of gas I bought for the truck.
by bengal22
Wed Dec 09, 2015 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: What is your IRA CD strategy?
Replies: 39
Views: 2963

Re: What is your IRA CD strategy?

My strategy is not to have CD's in my IRA.
by bengal22
Sun Dec 06, 2015 4:33 pm
Forum: Investing - Theory, News & General
Topic: Rekenthaler: "The Costs of Active Management"
Replies: 37
Views: 2743

Re: Rekenthaler: "The Costs of Active Management"

I always thought that because of the "Random Walk" theory that randomly chosen stocks(if you choose enough to be diverse) will match stocks researched and picked strategically. So because of that theory, the real "tiebreaker" is the expense ratio and cost of turnover. So the real...
by bengal22
Sat Dec 05, 2015 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security: What's the goal?
Replies: 47
Views: 3508

Re: Delaying Social Security: What's the goal?

Seems to me our Social Security is an annuity no matter what age you take it so it really does boil down to which option gives you the most dinero depending of course on how long you are going to live. In our case my wife just started her benefits at 62, I will file and suspend for a spousal when I...
by bengal22
Sat Dec 05, 2015 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security: What's the goal?
Replies: 47
Views: 3508

Re: Delaying Social Security: What's the goal?

Seems to me our Social Security is an annuity no matter what age you take it so it really does boil down to which option gives you the most dinero depending of course on how long you are going to live. In our case my wife just started her benefits at 62, I will file and suspend for a spousal when I ...
by bengal22
Wed Dec 02, 2015 12:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 276270

Re: What Movie Have You Recently Watched?

gkaplan wrote:Holiday classics? I wouldn't call these "classics," in the sense that they are not fifty years old or so, but Love Actually and, dare I say, Home Alone.


(Edited for clarity.)


Love Actually - where we get to see what Rick did before the zombie apocalypse.
by bengal22
Tue Dec 01, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 31106

Re: Vanguard TurboTax - Not Available 2015?

tommoran2 wrote:Just spoke to VG. They will not offer the discount this year.


Just tell them that you are one of the owners and maybe they will cut you a deal.
by bengal22
Tue Dec 01, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Made Simple (Free on Kindle for 2 Days)
Replies: 46
Views: 4271

Re: Social Security Made Simple (Free on Kindle for 2 Days)

Thanks, Mike.

I learned that I should always read completely any post or instructions because I tried to get the new versions but it would not let me. Once I reread your instructions I saw how to do it.

Who Dey?
by bengal22
Mon Nov 30, 2015 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable donation to offset IRA distribution?
Replies: 3
Views: 258

Re: Charitable donation to offset IRA distribution?

The distribution will count as income when calculating your ACA subsidy.
by bengal22
Wed Nov 25, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Christine Benz of Morningstar on RMDs
Replies: 37
Views: 4543

Re: Christine Benz of Morningstar on RMDs

as long as tax laws don't change regarding this issue, isn't donating your RMD to your church another option? "Charitable Donations from IRAs Under current law, the last day for making a qualified charitable donation from an IRA was December 31, 2014. See New Law Renews IRA Transfers to Charity...
by bengal22
Sat Nov 21, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Beer Growler, how long will it keep unopend?
Replies: 16
Views: 1848

Re: Beer Growler, how long will it keep unopend?

Mine never last long before I feel compelled to open it.
by bengal22
Thu Nov 12, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Giving Through Fidelity
Replies: 24
Views: 1178

Re: Charitable Giving Through Fidelity

Fidelity told me that there is no problem donating to small organization - in my case my local church. There is a fee of .6% for both Vanguard and Fidelity. I probably will not do Vanguard because of their initial requirement for $25000 and their disclaimer that I would no longer have control over t...
by bengal22
Wed Nov 11, 2015 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Charitable Giving Through Fidelity
Replies: 24
Views: 1178

Re: Charitable Giving Through Fidelity

I appreciate all of the input. Some of the language does concern me regarding "recommend" and "advise" to what charities the monies go. I know Fidelity has a direct giving approach and i am not sure what the differences are. So basically you claim the deduction for taxes when you...
by bengal22
Wed Nov 11, 2015 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Charitable Giving Through Fidelity
Replies: 24
Views: 1178

Charitable Giving Through Fidelity

Does anybody have any experience utilizing Vanguard or Fidelity to handle charitable giving? Currently, I give to my church via checking account. I have done some research with Fidelity and Vanguard and I see where they have a separate entity set up to handle charitable giving. Fidelity has a $5000 ...
by bengal22
Mon Nov 09, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice regarding paying off mortgage at retirement
Replies: 7
Views: 885

Re: Need advice regarding paying off mortgage at retirement

We retired with a mortgage and a pension and even though we could have paid it off we didn't. Since it is only a 3.25%, 15 year mortgage, I am OK with paying it off in 11 years. On the other hand if you are stressed out by paying a mortgage then by all means pay it off. Either approach is OK.
by bengal22
Mon Nov 09, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?
Replies: 50
Views: 3555

Re: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?

I am in a similar situation. I am 2 years older than my spouse and her FRA is about 33% of mine. Our strategy is the following: A. Spouse files at 62 B. I do a restricted application at 66 and draw my spousal benefit Under the new law, this will only work if you will turn age 62 by 1/1/16. C. I fil...
by bengal22
Mon Nov 09, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?
Replies: 50
Views: 3555

Re: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?

I am in a similar situation. I am 2 years older than my spouse and her FRA is about 33% of mine. Our strategy is the following: A. Spouse files at 62 B. I do a restricted application at 66 and draw my spousal benefit C. I file at 69 for my benefit D. Spouse files same time as C and gets her spousal...
by bengal22
Mon Nov 09, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?
Replies: 50
Views: 3555

Re: Waiting to 66 For SS Equals 8.3% COLA'd Annuity?

I am in a similar situation. I am 2 years older than my spouse and her FRA is about 33% of mine. Our strategy is the following: A. Spouse files at 62 B. I do a restricted application at 66 and draw my spousal benefit C. I file at 69 for my benefit D. Spouse files same time as C and gets her spousal ...
by bengal22
Sat Oct 31, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 457
Views: 36142

Re: Changes to Social Security

Mike, I'm curious... IF you choose to answer... and in your own words... on a scale of 1-10 where 1 means "closed a loophole that created an unintended and undeserved extra benefit for some couples," and 10 means "draconian confiscation of what's rightfully ours..." how do you r...
by bengal22
Thu Oct 29, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: SUV with "Best Ride"
Replies: 40
Views: 4280

Re: SUV with "Best Ride"

Best Ride - Tahoe Hands Down. Best vehicle I ever had(except for gas consumption). But hey we're Bogleheads we can afford it.
by bengal22
Wed Oct 28, 2015 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 10089

Re: Changes to SS regulations in new funding bill...

My reading is that it would change several things. It essentially makes the restricted application strategy dead in the water (for some people), via changes to deemed filing. Specifically, deemed currently only applies prior to full retirement age. If this bill passes, it would apply regardless of ...
by bengal22
Wed Oct 28, 2015 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 10089

Re: Changes to SS regulations in new funding bill...

Is there any change to "file and restrict." For instance, my plan was to file at FRA and restrict it to spousal benefit only. The plan was for my benefits to grow until I claim at 69 and then my wife could switch to spousal benefits. I read the legislature but it appears to be in a foreign...
by bengal22
Tue Oct 27, 2015 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: ACA Health Care Subsidy Dilemma
Replies: 18
Views: 1669

Re: ACA Health Care Subsidy Dilemma

I am in a similar boat to the OP. I am 63 with a pension and I am not taking SS. I am spending from my non-taxable to continue getting the subsidy. My plan is between the ages of 67-70, I will do some Roth conversions to minimize my RMD's. I will probably end up paying tax on social security when I ...
by bengal22
Sun Oct 25, 2015 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying retirement to make charitable contributions
Replies: 29
Views: 2567

Re: Delaying retirement to make charitable contributions

IMHO this is a good reason to keep working.
by bengal22
Wed Oct 14, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Hot water heater
Replies: 27
Views: 2188

Re: Hot water heater

never understood the name??? why heat hot water??? Shouldn't it be a water heater??? A "water heater" is a device that heats water. This includes boilers, hot water heaters, part of the fish tank and some devices in the kitchen. A "hot water heater" is any of the various type of...
by bengal22
Wed Oct 14, 2015 7:17 am
Forum: Personal Consumer Issues
Topic: Hot water heater
Replies: 27
Views: 2188

Re: Hot water heater

never understood the name??? why heat hot water??? Shouldn't it be a water heater???

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