Search found 1083 matches

by bengal22
Fri Jul 22, 2016 4:42 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund performance and fund size
Replies: 9
Views: 693

Re: Mutual fund performance and fund size

I could not open link but I assume that this does not apply to index funds and that aum means Assets Under Management.
by bengal22
Fri Jul 08, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: Is this Allocation ok
Replies: 9
Views: 595

Re: Is this Allocation ok

I think you are being too defensive. I would have a more 60/40 Allocation and not worry about timing. You are in for the long haul.
by bengal22
Fri Jul 08, 2016 8:41 am
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 117
Views: 8406

Re: Fidelity Undercutting Vanguard Expenses

May be a loss-leader/"bait and switch" tactic by Fidelity. It has been reported that Fidelity advertises their lower-priced index funds and then steers unwary investors to higher-priced alternative investment funds. Fidelity is just like Vanguard in that they create funds that will attrac...
by bengal22
Thu Jul 07, 2016 9:02 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 117
Views: 8406

Re: Fidelity Undercutting Vanguard Expenses

May be a loss-leader/"bait and switch" tactic by Fidelity. It has been reported that Fidelity advertises their lower-priced index funds and then steers unwary investors to higher-priced alternative investment funds. Fidelity is just like Vanguard in that they create funds that will attrac...
by bengal22
Thu Jul 07, 2016 3:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 117
Views: 8406

Re: Fidelity Undercutting Vanguard Expenses

May be a loss-leader/"bait and switch" tactic by Fidelity. It has been reported that Fidelity advertises their lower-priced index funds and then steers unwary investors to higher-priced alternative investment funds. Fidelity is just like Vanguard in that they create funds that will attrac...
by bengal22
Sat Jul 02, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 6481

Re: Living off dividends/interest in retiremeht

If dividends and distributions are included in total return why would one not want to maximize total return unless one is nervous about the risk involved? I am using the approach in my retirement of using an AA that maximizes total return with my "risk sweet spot" and I have more now than ...
by bengal22
Thu Jun 30, 2016 9:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 117
Views: 8406

Re: Fidelity lowers expense ratio of some index funds

Ok, I'll concede on the point about upselling. All I meant was their bread and butter is not being made on index funds. And they do need to run a profit, which is what their other funds, but probably not their index funds will achieve. Vanguard doesn't have to run a profit. They only have to cover ...
by bengal22
Thu Jun 30, 2016 6:25 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 117
Views: 8406

Re: Fidelity lowers expense ratio of some index funds

Ok, I'll concede on the point about upselling. All I meant was their bread and butter is not being made on index funds. And they do need to run a profit, which is what their other funds, but probably not their index funds will achieve. Vanguard doesn't have to run a profit. They only have to cover ...
by bengal22
Thu Jun 30, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 3364

Re: Tipping Ettiquet Question.

The bartender, who in most states in the US is paid $2.13 per hour , did a good job, and should be rewarded, unless the bartender is the owner. That person should not be tipped, and if they are, should claim no share in the tips but rather give them to the wait and kitchen staff. If the owner isn't...
by bengal22
Thu Jun 30, 2016 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: how to reflect paying off mortgage in AA?
Replies: 38
Views: 1692

Re: how to reflect paying off mortgage in AA?

Paying off mortgage would not appear in your AA. Once you start investing the increase in your income then whereever you invest it could change your AA.
by bengal22
Thu Jun 30, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor - Vanguard vs Fidelity
Replies: 14
Views: 1242

Re: New Investor - Vanguard vs Fidelity

Both are equally good.
by bengal22
Sun Jun 26, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings - is it more complicated?
Replies: 8
Views: 732

Re: Retirement Savings - is it more complicated?

I would take into account other income streams(if any) such as pension, social security, dividends, etc and also some conservative expected return on my investment. In my case, I look as my portfolio as a huge income stream(dividends, fund sales, etc.) and really expect my portfolio to grow in my re...
by bengal22
Tue Jun 21, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use this realtor?
Replies: 27
Views: 2011

Re: Should I use this realtor?

Make her an offer she can't refuse.
by bengal22
Sat Jun 11, 2016 2:06 pm
Forum: Investing - Theory, News & General
Topic: Inevesting Mistakes or Regrets
Replies: 49
Views: 4553

Re: Inevesting Mistakes or Regrets

When buying our first house, I wish I would have bought more house. I played it way too conservatively.
by bengal22
Sun Jun 05, 2016 7:24 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9252

Re: Leave garage door open?

I keep my garage door about 1/4 open to help air out the garage and also to keep medium to tall people out.
by bengal22
Thu Jun 02, 2016 4:00 pm
Forum: Investing - Theory, News & General
Topic: Thank you Taylor Larimore
Replies: 44
Views: 6401

Re: Thank you Taylor Larimore

What always impressed me about Taylor was that he would always take the time for some individual correspondence when help was needed. He really has that Servant Heart. I know he served in WW2 in the Battle of the Bulge but he also serves this board faithfully. We are truly blessed to have him with u...
by bengal22
Fri May 27, 2016 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Money transfers to Vanguard
Replies: 13
Views: 1186

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: 50132

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: 3200

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: 3200

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: 7012

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: 91
Views: 7464

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: 91
Views: 7464

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: 3039

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: 91
Views: 7464

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: 827

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: 1543

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: 1813

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: 11808

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: 16175

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: 718

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: 58125

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: 16175

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: 2895

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: 2046

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: 718

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: 4930

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: 933

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: 11424

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: 1014

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: 1501

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: 1501

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: 2210

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: 4003

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: 5362

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: 1330

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: 2463

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: 1740
Views: 387790

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: 2463

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...

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