Search found 1715 matches

by bengal22
Mon Aug 19, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1374
Views: 143130

Re: Why is "The Americans" on the Bogleheads Amazon list?

couldn't even get past the first episode of that show. Too bad. One of the best TV shows ever. +1 +1. I couldn't get past the first episode of The Wire... but i forced myself to watch a couple episodes on a recommendation. It ended up being the best series I've seen, The Wire that is. Americans is ...
by bengal22
Sat Aug 17, 2019 5:11 pm
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 60
Views: 6668

Re: Don’t put new money in market right now??

I wish I had his crystal ball. My Fidelity rep called me and left a voicemail. I never called him back. I just DCA all year round. Agreed. If you are struggling with this decision, DCA over a year's time. IMO DCA is for paycheck monies. All other monies goes in immediately. I am in the market for t...
by bengal22
Sat Aug 17, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 7890

Re: No pay increase but increase in responsibility

I was a salaried employee. I did not feel I had a 40 hour job. I always tried to excel at job by working extra hours and I wanted to take on more responsibility. It paid off by getting better raises then clock watchers and by getting better promotions. OP I would look for a different job that allow...
by bengal22
Sat Aug 17, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 97
Views: 10157

Re: Do Bogleheads plan to utilize Independent Living facilities?

Do Bogleheads plan to utilize independent living as they age.? I have had 2 close relatives move into independent living and a nice facility seems to run about $3,000/mo. (including food) for a studio or small one bedroom and my wife is a big fan of them. I see people discuss LTC insurance but I be...
by bengal22
Thu Aug 15, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Things to see in Walla Walla, WA?
Replies: 15
Views: 826

Re: Things to see in Walla Walla, WA?

Northern Flicker wrote:
Wed Aug 14, 2019 11:56 pm
There is a massive amount of overpriced wine.
Is there wine that is not overpriced? Where does one go to get properly priced wine? Is it in a box?
by bengal22
Thu Aug 15, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: Things to see in Walla Walla, WA?
Replies: 15
Views: 826

Re: Things to see in Walla Walla, WA?

Palouse Falls is a must see. About an hour away. Columbia River gorge is worth it but about 8 hours round trip.
by bengal22
Mon Aug 12, 2019 8:34 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 14141

Re: What is happening with Vanguard site?

Jackson12 wrote:
Mon Aug 12, 2019 8:26 pm
I can’t find a thread on this glitch. Surely someone here has noticed or posted. Any link? My account shows it has over 40 million in it. That’s way above the actual number. , Has this or something similar happened before?
Sell
by bengal22
Sun Aug 11, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1374
Views: 143130

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

Just finished perpetual grace LTD on epix. Only reason I watched it is because I got a free epix preview. Show is fantastic. It has Ben Kingsley, the guy from Westworld, a guy from Lost. It is funny, quirky, and the dialogue is out of Quentin Tarratino(sic). Best series I have watched this year. Set...
by bengal22
Sun Aug 11, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 7890

Re: No pay increase but increase in responsibility

Actually OP boss has not asked him to work more hours nor has boss said he will ask him to work more hours in the future. Someone in a weekly meeting alluded that OP and another may be asked to take on more responsibility. Not sure what we are discussing.
by bengal22
Sat Aug 10, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 7890

Re: No pay increase but increase in responsibility

bengal22, If you are working 53 to 55 hours per week now. And, your manager asks you to work even more hours, would you say yes? That is the topic at hand. It is not about working more than 40 hours per week. It is about working beyond 53 to 55 hours per week. KlangFool So I went back and read OP a...
by bengal22
Sat Aug 10, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 7890

Re: No pay increase but increase in responsibility

I was a salaried employee. I did not feel I had a 40 hour job. I always tried to excel at job by working extra hours and I wanted to take on more responsibility. It paid off by getting better raises then clock watchers and by getting better promotions. OP I would look for a different job that allow...
by bengal22
Sat Aug 10, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 7890

Re: No pay increase but increase in responsibility

I was a salaried employee. I did not feel I had a 40 hour job. I always tried to excel at job by working extra hours and I wanted to take on more responsibility. It paid off by getting better raises then clock watchers and by getting better promotions. OP I would look for a different job that allow...
by bengal22
Sat Aug 10, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 86
Views: 5418

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Graeter's, ,Cincinnati ice cream, is my go to treat. We are Bogleheads so we can enjoy the finer things not to prohibit them. +1 to the max! Just don’t look at the fat content. Don’t. Do. It. + UDF Homemade Brand Chocolate Chip for mass consumption. The Cincinnati BH’ers ar in full force! I am gene...
by bengal22
Sat Aug 10, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 86
Views: 5418

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Kenkat wrote:
Sat Aug 10, 2019 6:32 pm
bengal22 wrote:
Sat Aug 10, 2019 5:46 pm
Graeter's, ,Cincinnati ice cream, is my go to treat. We are Bogleheads so we can enjoy the finer things not to prohibit them.
+1 to the max! Just don’t look at the fat content. Don’t. Do. It.

+ UDF Homemade Brand Chocolate Chip for mass consumption.
Yes UDF is the cat's meow.
by bengal22
Sat Aug 10, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 7890

Re: No pay increase but increase in responsibility

I was a salaried employee. I did not feel I had a 40 hour job. I always tried to excel at job by working extra hours and I wanted to take on more responsibility. It paid off by getting better raises then clock watchers and by getting better promotions. OP I would look for a different job that allowe...
by bengal22
Sat Aug 10, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 86
Views: 5418

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Graeter's, ,Cincinnati ice cream, is my go to treat. We are Bogleheads so we can enjoy the finer things not to prohibit them.
by bengal22
Thu Aug 08, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for Retirees
Replies: 28
Views: 2333

Re: Mortgage for Retirees

I was retired when I got my mortgage. No issues. Enough assets to cover mortgage.
by bengal22
Mon Aug 05, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7262

Re: Financial anxiety and next steps in relationship

If you both truly love each other then things will work out fine. I think that's a bit naive. I suspect that most people who get married think that they truly love each other when they get married, and yet the divorce rate is quite high so clearly things often do not work out fine. And money is eit...
by bengal22
Mon Aug 05, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home insurance (State Farm v Hippo)
Replies: 15
Views: 846

Re: Questions about home insurance (State Farm v Hippo)

I had a 10k claim with State farm home insurance and they were great. Plus my premium did not go up any. Not sure why one would shy away from submitting a claim.
by bengal22
Mon Aug 05, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 79
Views: 5751

Re: My Fido retirement meeting pushing me to SMA

Fidelity is owned by the Johnson family and it’s management team. Bronco Billy, I'm glad that you posted your questions. You're getting good advice from the members of the Forum. I had never seriously looked at Fidelity, and was unaware of this particular service. Frankly, I'm disappointed that Fid...
by bengal22
Mon Aug 05, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7262

Re: Financial anxiety and next steps in relationship

Getting married is not a financial decision. If you both truly love each other then things will work out fine. Perhaps if you have doubts then maybe the love just ain't there. You will know if it's right. To me getting a prenup is reaching for the back door while you're opening the front.
by bengal22
Sat Aug 03, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 14904

Re: Why won’t anyone hire me?

I really think you need to focus on your interview skills. Perhaps find a local group where you can practice interviewing. To be turned down 20 times following interviews tells me the issue is on that end. I agree with this comment. You are getting the interviews so it's not a lousy resume or work ...
by bengal22
Sat Aug 03, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: For long time retirees, do you use a spreadsheet?
Replies: 37
Views: 2636

Re: For long time retirees, do you use a spreadsheet?

I track networth. It is still going up. I don't worry about withdrawal rate. When I start RMDs and full SSA my inflow will exceed outflow. I can focus on pickleball.
by bengal22
Sat Aug 03, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Ink Pens
Replies: 77
Views: 4575

Re: Ink Pens

I like Huntington Bank pens. They keep tons of them at their kiosk.
by bengal22
Tue Jul 30, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Storing documents--- trust, will, etc.
Replies: 22
Views: 1913

Re: Storing documents--- trust, will, etc.

I keep my will in a lock box in the closet at home. I did will myself and would not keep with a lawyer because I wouldn't want heirs to have to contact a lawyer unless they needed one.
by bengal22
Thu Jul 25, 2019 2:45 pm
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 2697

Re: Who has the best (easiest) Donor Advised Fund

Try Dayton Foundation. They have a charity checking account that has no cost and will accept stock or fund donation. They dispurse funds at your request. They also have an account that will invest your donation and follow your instructions for dispursement. This had an annual fee. Google Dayton Fou...
by bengal22
Thu Jul 25, 2019 2:08 pm
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 2697

Re: Who has the best (easiest) Donor Advised Fund

Try Dayton Foundation. They have a charity checking account that has no cost and will accept stock or fund donation. They dispurse funds at your request. They also have an account that will invest your donation and follow your instructions for dispursement. This had an annual fee. Google Dayton Fou...
by bengal22
Wed Jul 24, 2019 1:38 pm
Forum: Personal Investments
Topic: Have no problem managing my $5M portfolio - scared of my Dad's $120k
Replies: 45
Views: 3444

Re: Have no problem managing my $5M portfolio - scared of my Dad's $120k

My father cannot afford to risk anything He has a son with $5M and he can't afford to take risk? Do you hate him or something? As near as I can tell, you're the backstop here so he can actually take a lot of risk. This would be the kind of negative and unhelpful feedback I'd like to avoid. I love h...
by bengal22
Wed Jul 24, 2019 8:26 am
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 2697

Re: Who has the best (easiest) Donor Advised Fund

Try Dayton Foundation. They have a charity checking account that has no cost and will accept stock or fund donation. They dispurse funds at your request. They also have an account that will invest your donation and follow your instructions for dispursement. This had an annual fee. Google Dayton Foun...
by bengal22
Tue Jul 23, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Vanguard customer service -- disappointing
Replies: 5
Views: 990

Re: Vanguard customer service -- disappointing

Heading is definitely a dog bites man headline.
by bengal22
Mon Jul 22, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of children
Replies: 49
Views: 2053

Re: Cost of children

gmc4h232 wrote:
Mon Jul 22, 2019 6:26 pm
Cost of children is....high
But the value is unbelievable.
by bengal22
Mon Jul 22, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of children
Replies: 49
Views: 2053

Re: Cost of children

Never really cared about the cost of children. My wife gave up a career and income by staying home with them. I worked long hours to compensate. But the joy that the children give us, the satisfaction of seeing well adjusted adults later, and grandchildren make the cost unimportant. I never understa...
by bengal22
Sun Jul 21, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1374
Views: 143130

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

Watching the following:

Big Little Lies- good but no where as good as 1st season. Not a big Meryl Streep fan.

Stranger Things- excellent but miss the Dynamics of grade school kids.

OA- watched first 2 episodes and I am hooked. Best of the 3 shows.
by bengal22
Sun Jul 21, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 93
Views: 7070

Re: MBA worth it?

For me it was definitely worth it. It helped me getting promotions within my company plus getting an outside lucrative job after first retirement. It can be the difference when all things else are equal. BTW I got my MBA at night via tuition refund so my cost was zero. Except for time. It was tough ...
by bengal22
Sun Jul 14, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7926

Re: No A/C in Office [not a safe work environment]

So the boss does not want to shut down because of a temporary condition where it is hot. And we are even discussing that this is a safety condition. A lot of factories are not air conditioned and employees have fans. Bring a fan and be thankful you don't have a HR department. Or quit.
by bengal22
Thu Jul 11, 2019 12:58 pm
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 2067

Re: Anyone else have VG phone reps push toward PAS?

I just tell the VG reps that I am actually a part owner of Vanguard and then they tend to back off on upselling me.
by bengal22
Sun Jul 07, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: When to find a Financial Advisor in Retirement
Replies: 20
Views: 1443

Re: When to find a Financial Advisor in Retirement

I have things set up so we can live on RMD's, pension, and SSA. Nothing really is required for assets. Let them ride. If I pass first spouse can live on RMD, SSA and survivor pension. No financial advisor needed. My AARP tax friends can do her taxes
by bengal22
Thu Jul 04, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: How to interpret different raise percents?
Replies: 41
Views: 2643

Re: How to interpret different raise percents?

Your math is wrong. As I see it, in my company, raises are computed as follows: 4% of each group is given a 3% raise. These are the "walks on water" rated employees. Everyone else gets zero. As a manager, your task is to make up a new excuse out of thin air as to why almost nobody gets any raise. T...
by bengal22
Tue Jul 02, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: how do couples work together on home finance
Replies: 60
Views: 4668

Re: how do couples work together on home finance

We seldom discuss finances. Spouse handles outgoing;
I handle incoming. System seems to work.
by bengal22
Tue Jul 02, 2019 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 8129

Re: Big Hospital Bill - Anyway to negociate ?

One night my wife went to the ER because she was having some dizzy issues. We paid the copay and I thought everything was cool. However because they thought it was possibly life threatening they ran some test. 4 hours later she was discharged and was OK. Later I got a 5K bill. After a lot of fussing...
by bengal22
Sat Jun 29, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 126
Views: 24654

Re: The Fall of Consumer Reports

I stopped reading consumer reports 25 years ago. I found their auto ratings biased and subjective so I figured the rest of their reviews were flawed as well. A waste of trees in my opinion
by bengal22
Sat Jun 29, 2019 10:31 am
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 395
Views: 86858

Re: South Florida Local Chapter

I highly recommend this meeting. A really great group. I went one January and enjoyed it immensely. Miriam and her husband are great hosts and it is always informative to hear Taylor in person. If your close give it a shot
by bengal22
Sat Jun 29, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3580

Re: Pickleball Paddle recommendation?

I started playing in February. Since then I have steadily improved and now playing with the advanced group. I haved used a $50 paddle - dragon Slayer or something along that line - at Dick's. It has more than met my needs. Thanks for your suggestion! I picked one up at Dick's last night. Seems to f...
by bengal22
Sat Jun 29, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Did Retirement Spending go as You Planned?
Replies: 47
Views: 4854

Re: Did Retirement Spending go as You Planned?

Retirement savings have appreciated so much I really have not had to think much about spending
by bengal22
Thu Jun 27, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: I need to do a will...anyone have recommendations/advice?
Replies: 21
Views: 1292

Re: I need to do a will...anyone have recommendations/advice?

I did everything--will, POA, Medical Directive--with the will making software from nolo.com. Also on nolo, I learned that my state (California) now has a Transfer-on-Death deed for your home, so I also did that so my children can completely avoid probate without my having to pay for a trust and the...
by bengal22
Thu Jun 27, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Balance Billing (?) by Dentist
Replies: 14
Views: 1419

Re: Balance Billing (?) by Dentist

You only have to pay the negotiated rate- $58.
by bengal22
Thu Jun 27, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: I need to do a will...anyone have recommendations/advice?
Replies: 21
Views: 1292

Re: I need to do a will...anyone have recommendations/advice?

I fall firmly in the camp that believes the OP can do this themselves. All of the assets that they mentioned can be set up as beneficiaries or TOD/POD. Do you know anyone that has a will, like a parent? If it's a simple 3 pager use theirs and put your names in. Specify an executor but if your estate...
by bengal22
Thu Jun 27, 2019 1:20 pm
Forum: Personal Investments
Topic: Am I doing this right so far?
Replies: 17
Views: 1219

Re: The Three-Fund Portfolio

Hi, Can someone simply tell me the 3 fidelity funds I should pick to start my 3 fund portfolio for a ROTH IRA? I'm just beginning and want to get it right. And please tell me the AA split too: Ex 70% - Fund x, 20% Fund y, 10% fund z The wiki has a breakdown of Fidelity index funds perfect for the 3...