Search found 1477 matches

by bengal22
Sat Jan 19, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 25
Views: 2573

Re: NY Times $1 per week digital

Too expensive for me.
by bengal22
Fri Jan 18, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 859
Views: 158156

Re: Boglehead Beer

What is a Boglehead beer? It should have good taste but it should be reasonable in cost, right? What is the beer of choice for the Boglehead? Also, what is the beer of choice when splurging? :lol: I would think boglehead beer would be happy with average: "taste OK; semi-filling." My go to beer is N...
by bengal22
Fri Jan 18, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Myrtle Beach Restaurants
Replies: 15
Views: 1049

Re: Myrtle Beach Restaurants

So we ate at this place where they wrote your order on toilet paper, yelled at you, and kind of tossed your food at you. I don't remember their name but if I did I would not eat there again
by bengal22
Sun Jan 13, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102581

Re: What Movie Have You Recently Watched?

Crazy Rich Asians I wanted to like it but was disappointed. It's too primitive. The Professor of Economics is a dilettante in economics. Rachel Chu has nothing in common with her Singapore girlfriend. And other annoyances. Victoria This is a bigger WTF than "Roma" for me. I've heard people say this...
by bengal22
Sun Jan 13, 2019 4:48 pm
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 100
Views: 61976

Re: How to use Vanguard Portfolio Watch for rebalancing

One thing I have unfortunately experienced is that PW takes my Fidelity accounts and treats them as other. To use the tool I have to go to tester and convert Fido total stock, total bond, and total international to get my AA and stock breakdown. Vanguard must really feel threatened by Fidelity. If ...
by bengal22
Sun Jan 13, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 100
Views: 61976

Re: How to use Vanguard Portfolio Watch for rebalancing

One thing I have unfortunately experienced is that PW takes my Fidelity accounts and treats them as other. To use the tool I have to go to tester and convert Fido total stock, total bond, and total international to get my AA and stock breakdown. Vanguard must really feel threatened by Fidelity.
by bengal22
Sat Jan 12, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
Replies: 41
Views: 5561

Re: Variable Percentage Withdrawal (VPW-adv) for Advanced Users

My withdrawal plan is real simple.

My SSA
SpouseSSA
My pension
RMD's

What I can't spend, I reinvest. No need for annuities, 4% withdrawal, variable withdrawal etc.
by bengal22
Wed Jan 09, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6207

Re: Fell in Love with Fidelity

Okay so I can be a little impulsive, but I opened a Fidelity brokerage account and have fallen in love. I had three goals I wanted to achieve: -- Invest in bond market index fund -- increase international stock exposure with an international index fund -- Expand US stock exposure with a total stock...
by bengal22
Mon Jan 07, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102581

Re: What Movie Have You Recently Watched?

Roma. After 30 minutes we stopped as it didn't seem to be going anywhere and was horribly boring. I'll add that I think most of the movies that get a lot of hype are because the movies aren't that great and the hype is manufactured since word of mouth won't work. I am repeatedly disappointed by mov...
by bengal22
Mon Jan 07, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5977

Re: How do you view a savings surplus in retirement?

Since I never had a savings goal, a retirement number, or a safe withdrawal amount, I could never have a surplus. So I just have assets :moneybag .
by bengal22
Mon Jan 07, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4450

Re: Retirees: any major goals for 2019?

In October 2019 I will begin my 21st year retired. I will become 86 years of age before that. My wife and I will have our 59th wedding anniversary in December. We will start our 33rd year being an Indy Colts season ticket holder. We will eat out at least once a week in a good restaurant. We will at...
by bengal22
Mon Jan 07, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: $100 Christmas gift
Replies: 14
Views: 1736

Re: $100 Christmas gift

There is no right answer and 10 years from now your decision won't impact your financial health. Do what you feel like doing and work on reducing the angst over a hundred buck decision.
by bengal22
Thu Jan 03, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Do you have a fun finance-related hobby?
Replies: 50
Views: 6043

Re: Do you have a fun finance-related hobby?

mlipps wrote:
Thu Jan 03, 2019 4:40 pm
Find your local VITA site & volunteer doing taxes for low income families. I started 6 years ago & can't get enough of it!
I am on my 6th year ae well. Very rewarding helping those that are overwhelmed by taxes and it keeps your mine active.
by bengal22
Wed Jan 02, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102581

Re: What Movie Have You Recently Watched?

TheHouse7 wrote:
Wed Jan 02, 2019 12:59 pm
3:10 to Yuma

Best "new" Western
I liked the "old" 3:10 to Yuma better. It starred Glenn Ford.
by bengal22
Wed Jan 02, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102581

Re: What Movie Have You Recently Watched?

theplayer11 wrote:
Wed Jan 02, 2019 9:29 am
.
Why did Sandra Bullock look like Michael Jackson?
Because it was a "thriller."
by bengal22
Tue Jan 01, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034486

Re: What Book Are You Currently Reading? Part VI

Finishing Lee Child's Past Tense. Quick read but he really just repeats the same formula in a different small town in the middle of nowhere.
by bengal22
Tue Jan 01, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110464

Re: [What TV Show Have You Recently Watched?]

Loving Ozark on Netflix. Currently on season 2, 4th episode. What one does for their kids.
by bengal22
Tue Jan 01, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19512

Re: Favorite Purchase of 2018?

Bought grandkids(4 and 2) Melissa and Doug farmhouse and barn for Christmas. They loved them.
by bengal22
Mon Dec 31, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: End of the year portfolio checkup! Happy New Year!
Replies: 8
Views: 974

Re: End of the year portfolio checkup! Happy New Years!

Based on your age and net worth I would say you are doing pretty well. Just the fact that you have a great concept of what to do is a great start. Enjoy your family too and have some great vacations.
by bengal22
Mon Dec 31, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: CD’s in Asset Allocation - Bonds or Cash
Replies: 15
Views: 987

Re: CD’s in Asset Allocation - Bonds or Cash

If I had any I would put them in the cash bucket. My AA is Stock-Bond-Cash.
by bengal22
Sun Dec 30, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a quality Estate Planning Attorney?
Replies: 31
Views: 3248

Re: How to find a quality Estate Planning Attorney?

i would make sure that I really need an estate planning attorney? Hello Bengal, how does one tell whether one needs an estate planning attorney? For instance I no longer have family nor close friends so I'm looking for one to do all the things one must do before dying. But if I don't need one, I'd ...
by bengal22
Sun Dec 30, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation in Fort Myers
Replies: 16
Views: 1516

Re: Vacation in Fort Myers

Love fort myers beach. Kids love the beach, and bikes, and the pool. That is enough to keep them entertained and make some memories. for the adults and the kids people watching at Times Square and hanging out on the pier is fun. For breakfast, our must go place is Tuckaway for the German Wafel. Heav...
by bengal22
Fri Dec 28, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocations (how to include a pension in planning)
Replies: 17
Views: 1291

Re: Asset Allocations (how to include a pension in planning)

I do not directly back my pension into my AA. I look at expected expenses minus expected income(pension, SSA, etc) and get a number that I will gave to fund from my portfolio. I still have a desired AA but I di not include pension. But if my expected shortfall per year is relatively small I can be m...
by bengal22
Fri Dec 28, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Help An Old Lady
Replies: 16
Views: 1716

Re: Help Me Help An Old Lady

Stopped reading when I saw the old lady was 63.
by bengal22
Thu Dec 27, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: 529s for the poor man?
Replies: 22
Views: 2154

Re: 529s for the poor man?

I would not consider a person making 100k and havng a 1/2 million dollar home a poor man. I always felt like I needed to help my kids get their undergraduate degree. So I would at least have a plan and some funds that were designated to help them get their degree without going into debt. I used my t...
by bengal22
Wed Dec 26, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 6881

Re: What have your learned this year

Value each moment with family and never put off saying to them how important they are to you.
by bengal22
Mon Dec 24, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2295

Re: Anyone rebalancing?

I did. 5% change. Back to 55/45 equity.
by bengal22
Sun Dec 23, 2018 2:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: My New Avatar
Replies: 23
Views: 1427

Re: My New Avatar

The avatar that would be King
by bengal22
Thu Dec 20, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Stick with Fidelity or open Vanguard account?
Replies: 34
Views: 1652

Re: Stick with Fidelity or open Vanguard account?

Both are great and have good index funds.
by bengal22
Wed Dec 19, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch
Replies: 13
Views: 1015

Re: Vanguard Portfolio Watch

It is a great tool. I use the tester feature for rebalancing. However, it counts fidelity total market as 100% large caps so I have to convert it to vanguard total market to get the right breakdown.
by bengal22
Wed Dec 19, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110464

Re: [What TV Show Have You Recently Watched?]

Marvelous Mrs. Maisel is great on so many levels.
by bengal22
Wed Dec 19, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Changing the By-laws of a Not-for-Profit to Incorporate Contemporary Usage
Replies: 8
Views: 576

Re: Changing the By-laws of a Not-for-Profit to Incorporate Contemporary Usage

Seems like a lot of effort for a mere pronoun change. Wait until significant change is needed and do it then.
by bengal22
Wed Dec 19, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Why did you decide to change your asset allocation?
Replies: 45
Views: 1984

Re: Why did you decide to change your asset allocation?

As I age, I have slowly adjusted my AA. I am 66 wit a 55/45 stock and bond ratio. No plans to change ever.
by bengal22
Tue Dec 18, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4054
Views: 1102581

Re: What Movie Have You Recently Watched?

Watched Roma on Netflix. It's a black and white, sub titled film about an affluent family and their nanny/housekeeper who live in the Roma district of Mexico City. Excellent film that will be in the running for best picture.
by bengal22
Mon Dec 17, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8171

Re: When has being frugal or cheating out bit you in the rear?

Raised deductible on house insurance 6 months before sump pump went out.
by bengal22
Mon Dec 17, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Getting your own money back: annuities vs. social security
Replies: 21
Views: 1532

Re: Getting your own money back: annuities vs. social security

One of the negatives about purchasing a lifetime annuity is that you'll just be getting paid your own money back for many years, and that may be all you get back before you croak. Got me to wondering. Social Security is a kind of annuity also, in which we contribute premiums and then get our own mo...
by bengal22
Sat Dec 15, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 33
Views: 2653

Re: Nice gifts for young kids

Books, puzzles, anything from Melissa and Doug
by bengal22
Sat Dec 15, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 14496

Re: ACA Struck down...yikes [by federal judge in Texas]

No changes for at least 2019. Other than worry not sure what needs to be done any time soon.
by bengal22
Sat Dec 15, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Questions: moving Fidelity solo 401k to VG?
Replies: 22
Views: 967

Re: Questions: moving Fidelity solo 401k to VG?

I moved funds once to VG IRA and they lost the check. Reps not helpful. Be persistent with them. Ended up having to recut check. That’s horrible. Is that what happens? Is fidelity going to cut me a 6 figure personal check which i deposit and then cut a new check to VG. Can’t I directly authorize fi...
by bengal22
Fri Dec 14, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Questions: moving Fidelity solo 401k to VG?
Replies: 22
Views: 967

Re: Questions: moving Fidelity solo 401k to VG?

I moved funds once to VG IRA and they lost the check. Reps not helpful. Be persistent with them. Ended up having to recut check.
by bengal22
Fri Dec 14, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Allan Roth: 3 Correlation Myths In Portfolio Construction
Replies: 104
Views: 7144

Re: Allan Roth: 3 Correlation Myths In Portfolio Construction

I try not to think that hard about my investments. I think the boglehead way is to land on an AA that we can live with, try to replicate the total market with the stock portion, rebalance when necessary, minimize fund expenses and taxes, and let it ride. I spend my thinking for minimizing my slice a...
by bengal22
Thu Dec 13, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: [How much of an emergency fund do I need?]
Replies: 17
Views: 1089

Re: How badly will unemployment be during next recession?

It will be very bad to be unemployed during the next recession.
by bengal22
Thu Dec 13, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan
Replies: 29
Views: 1487

Re: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan

I would expect this post on April 1st.
by bengal22
Thu Dec 13, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22084

Re: What percentage of your net worth is your home equity?

I always treat my homes as an investment. I buy a style and a neighborhood that I think will cause a house to appreciate. I maintain my investment by making updates, repairing issues, and keeping lawn nice and presentable. When I sell my investment I market it to get the price. I have too much inve...
by bengal22
Thu Dec 13, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22084

Re: What percentage of your net worth is your home equity?

I always treat my homes as an investment. I buy a style and a neighborhood that I think will cause a house to appreciate. I maintain my investment by making updates, repairing issues, and keeping lawn nice and presentable. When I sell my investment I market it to get the price. I have too much inves...
by bengal22
Wed Dec 12, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22084

Re: What percentage of your net worth is your home equity?

About 11% KlangFool’ s is about 7.7% based on his own numbers. :wink: At the end of the day KlangFool and I have about the same net worth. I would tend to think I am in a more resilient position as I don’t carry a mortgage and he does.% Maybe; maybe not. My % home equity to net worth is about 12%. ...