Search found 1407 matches

by bengal22
Tue Nov 13, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077687

Re: What Movie Have You Recently Watched?

Destination Wedding , on Amazon Prime. This romantic comedy stars Keannu Reeves and Winona Ryder. Two mismatched misfits meet and constantly bicker at a wedding. (When threatened by a wild animal, they argue about whether it is a cougar, puma, or mountain lion.) The movie is way more enjoyable than...
by bengal22
Tue Nov 13, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077687

Re: What Movie Have You Recently Watched?

Watched the following: Eighth grade Blackkklansman A wrinkle in time Enjoyed them all. Also watched the other side of the wind, an Orson Welles film from the 70's that was edited based on his notes and just released. Fantastic to watch but many what the heck is going on moments. It has a movie withi...
by bengal22
Tue Nov 13, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone change career/ start over again?
Replies: 5
Views: 772

Re: Anyone change career/ start over again?

Cycle wrote:
Tue Nov 13, 2018 8:44 pm
Michael Jordan played baseball after retiring from basketball. Advice... Follow your passion, but don't expect to become an all-star in your new persuit right away... Could take a decade
Jordan failed at baseball and went back to the NBA where he won the last 3 of his 6 championship.
by bengal22
Sat Nov 10, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: What? I'm a Vanguard Owner?
Replies: 10
Views: 1701

Re: What? I'm a Vanguard Owner?

For me the ownership structure of Vanguard means absolutely nothing. I am part owner of General Motors but I still make my vehicle purchase decisions based on quality,value, and service of the product. I do the same thing for my investment decision.
by bengal22
Tue Nov 06, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14445

Re: How much money are you leaving your kids after you die?

Current plan is to leave 90% to kids and about 10% to church and perhaps other charities.
by bengal22
Mon Nov 05, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Income in retirement?
Replies: 14
Views: 1918

Re: Income in retirement?

I am 66 and retired. I do not care about income. I look for total return. My rmd's, when combined with SSA and pension will exceed my expected expenses. In the meantime I just pull money from my taxable to cover gap between expenses and pension.
by bengal22
Fri Nov 02, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3447

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

I pay bills. You can deploy funds immediately.
by bengal22
Tue Oct 30, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014315

Re: What Book Are You Currently Reading? Part VI

Ulysses by James Joyce I have read this now five times, once annually around Bloom's Day as a tradition ... although I'm late this year. You will either love it or hate it. However, if you have have a sufficient grasp of Irish history, as well as, some great works of world literature like Homer's O...
by bengal22
Fri Oct 26, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is it risky to have all retirement savings with vanguard?
Replies: 43
Views: 5929

Re: Is it risky to have all retirement savings with vanguard?

I would not feel comfortable having all of my assets in one location. I have it spread 60/40 between fidelity and vanguard. I believe vanguards ownership structure is more a marketing ploy and has zero impact on my financial strategy.
by bengal22
Fri Oct 26, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014315

Re: What Book Are You Currently Reading? Part VI

Reading Wildlife by Richard Ford. Along with Jonathan Franzen, Ford is my favorite fiction writer still alive. They just released a movie based on this book. I loved Ford's Sportswriter trilogy which was similar to Updike's Rabbit Run books. Good stuff indeed if you like your literature serious and ...
by bengal22
Wed Oct 24, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: The ship metaphor
Replies: 24
Views: 2010

Re: The ship metaphor

Just remember that everything will be OK in the end.

If things aren't OK then its not the end.
by bengal22
Sun Oct 21, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8637

Re: Quitting w/o notice

I think it is all about how much you value character and how much self respect you have. As a boss, if someone quits without at least 2 weeks notice, I lost all respect for them. You just never know when you may need something from your ex employer.
by bengal22
Sat Oct 20, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Put more than 20% down on a house?
Replies: 33
Views: 3598

Re: Put more than 20% down on a house?

I always did 15 year loans.
by bengal22
Wed Oct 17, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6586

Re: Did you retire because you hit your number?

Never had a formal number but I knew from a napkin calculation that my expected income (ssa, pension) vs. Expected expenses was close enough I did not have to worry.
by bengal22
Mon Oct 15, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077687

Re: What Movie Have You Recently Watched?

bengal22 wrote:
Sat Oct 13, 2018 10:12 am
Leave no trace. Got DVD from library. About a vet with PTSD and his daughter. He is unable to live in society but she is starting to want a normal life with people.

Great movie by the director of winter bones
by bengal22
Sat Oct 13, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077687

Re: What Movie Have You Recently Watched?

Leave no trace.

Great movie by the director of winter bones
by bengal22
Fri Oct 12, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3055

Re: Dayton, Ohio -- Worth Visiting?

The OP asked if anyone thought Dayton had some "sketchy areas". I replied yes. You seem to have a different opinion. That's absolutely fine, and how these types of forums work best with readers forming their own opinions based on various replies/perspectives/opinions. Suggest you watch the Frontlin...
by bengal22
Wed Oct 10, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3055

Re: Dayton, Ohio -- Worth Visiting?

Thanks for the tips & insights, folks! I appreciate it. Like the poster above me, I also read the Wright Bros. book and think it would be cool to visit the bike shop and Huffman field. Looks like the bike shop is in the dreaded "West Dayton" though, eh? I presume it's not too bad in the daytime? No...
by bengal22
Wed Oct 10, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3055

Re: Dayton, Ohio -- Worth Visiting?

Ohio’s rate of overdose deaths is the second highest of all US states (only exceeded by West Virginia), and more than double the national rate, and Ohio’s number has tripled since 2010. Large parts of Dayton look like a bombed out urban wasteland. Dayton, in Montgomery County, is among the worst ci...
by bengal22
Tue Oct 02, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2018)
Replies: 5
Views: 804

Re: madsinger monthly report (September 2018)

Thanks madsinger. Benchmarking is very useful for me. I also use vanguard balance index and target retirement 2015 and 2020 to sense check my 55/45 AA.
by bengal22
Mon Oct 01, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4685

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

I have never been asked to upgrade. But under their corporate structure I am considered by their marketing department to be an "owner." Maybe that is why I have not been approached.
by bengal22
Mon Oct 01, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: Grok's LMP-4: The 3-legged stool approach to retirement planning
Replies: 140
Views: 13960

Re: Grok's LMP-4: The 3-legged stool approach to retirement planning

I for one do not think the legs change in the true 3 legged retirement approach. 1. SSA 2. Pension 3. Income from net assets(rmd's for example). If leg 2 is non existent, then leg 3 has to pick up the slack. There are strategies to maximize leg 1 but that may impact leg 3. In mu case, leg 1 is being...
by bengal22
Mon Oct 01, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6825

Re: Why is Home Part of NW [Net Worth]

My Parents are selling their home and the proceeds will fund about 5 years in an independent living facility. IMHO net worth is the most valuable financial number I track. It is the truest barometer of my financial health. I know that at anytime short of a zombie apocalypse I can convert my home equ...
by bengal22
Fri Sep 28, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 14474

Re: What have you baked recently?

Me and the 4 year old baked Pillsbury cinnamon rolls this morning. 2 year old loved it.
by bengal22
Tue Sep 18, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Does Vanguard's Asset Mix indicator include outside holdings?
Replies: 3
Views: 246

Re: Does Vanguard's Asset Mix indicator include outside holdings?

The portfolio and test tool is great if you need to rebalance or want to change your AA.
by bengal22
Tue Sep 18, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Does Vanguard's Asset Mix indicator include outside holdings?
Replies: 3
Views: 246

Re: Does Vanguard's Asset Mix indicator include outside holdings?

If you go to the portfolio watch and stock tab it will tell you everything included in your asset allocation. If you have added items under outside investment it will be included in your asset allocation.
by bengal22
Fri Aug 24, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22372

Re: Did you celebrate when you finally hit $1m?

Did not celebrate 1st million. But we do celebrate birthdays, Christmas, holidays, being alive, hole in ones, Bengal/Buckeye victories, grandkid accomplishments, etc. It's only money.
by bengal22
Mon Aug 20, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077687

Re: What Movie Have You Recently Watched?

bengal22 wrote:
Mon Aug 13, 2018 7:31 pm
Just watched "The Rider." Great movie.
The neat thing about the movie is that it stars the guy that the story line is based on. He is a rodeo star that suffers a serious accident just before the movie starts. There is a real scene where he trains a untrainable wild horse that is fantastic.
by bengal22
Mon Aug 20, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077687

Re: What Movie Have You Recently Watched?

bengal22 wrote:
Mon Aug 13, 2018 7:31 pm
Just watched "The Rider." Great movie.
The neat thing about the movie is that it stars the guy that the story line is based on. He is a rodeo star that suffers a serious accident just before the movie starts. There is a real scene where he takes a untrainable wild horse that is fantastic.
by bengal22
Thu Aug 16, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 6949

Re: Men’s Underwear recommendation

Munchkin Man buys underwear at Sears. I remember the long thread.
by bengal22
Tue Aug 14, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5606

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

I also do not read fiction anymore with one exception - science fiction. So I will take you uncompleted fiction: Top 3 in no order: Dune Jurassic Park 2001 Runner-up: Forever War, One Second After Dune is a fantastic book. And for the most part the first 3 books of the series are absolute genius. I...
by bengal22
Mon Aug 13, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077687

Re: What Movie Have You Recently Watched?

Just watched "The Rider." Great movie.
by bengal22
Sun Aug 12, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25589

Re: most compelling TV character ever

John of Cincinnati
Number 6
by bengal22
Sat Aug 11, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 2249

Re: Sucking up to make more money?

If "sucking up" means working hard, going the extra mile, following directions, being loyal and respectful, then by all means "suck up."
by bengal22
Tue Jul 31, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: DOOM!!!!! Morgan Stanley warns
Replies: 41
Views: 5019

Re: DOOM!!!!! Morgan Stanley warns

For a forum that advocates against market timing this article is a big nothing burger. Yes at some point market will go down.
by bengal22
Mon Jul 30, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Consistently over budget on food - what are you guys eating?
Replies: 70
Views: 6268

Re: Consistently over budget on food - what are you guys eating?

The wife and I have a $700 budget for food, however every month we seem to come to that limit or even over it. On some of the threads here I am seeing families having a food budget lower than us and I'm trying to understand what my wife and I are doing wrong as $700 seems high to me, but we continu...
by bengal22
Wed Jul 25, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 3268

Re: Interesting Take on the 3 Fund Model

The purpose of the 3 fund portfolio is to represent the total U.S stock market, the total U.S. Bond market, and the international market. Thus you get diversity, low cost, and minimize the risk of poorly performing sectors of the market. The key is not the number 3.
by bengal22
Fri Jul 20, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 14016

Re: Should I Dump a Pile of Money on Young Son?

You know your son better than we do. I think the $1 million would be better used now than in the future. His financial behavior is already established so money now won't ruin him. Now is when it can help hm the most. So...just give it to him. No strings attached.
by bengal22
Fri Jul 13, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: When to start taxable?
Replies: 22
Views: 2261

Re: When to start taxable?

I always made my taxable portion of my portfolio my emergency fund. Why lose money on low interest fixed assets.
by bengal22
Fri Jul 13, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10525

Re: When does frugal cross the line to cheapskate?

Somewhere between Target and Wal-Mart
by bengal22
Mon Jun 25, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: New York Times on current yield curve as powerful signal of recession
Replies: 44
Views: 4417

Re: New York Times on current yield curve as powerful signal of recession

When I see an article like this I always wonder if the publication has a vested interest in portraying the viewpoint expressed. Then I go hmmmmm.
by bengal22
Fri Jun 01, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: 15% rate of return in last 15 years can I expect the same in next 16 years
Replies: 39
Views: 4354

Re: 15% rate of return in last 15 years can I expect the same in next 16 years

OP: Can you expect the same returns? Yes!
You are the one that sets your expectations. Should you expect the same return? Probably not. Maybe. Sure.
by bengal22
Tue May 29, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4588

Re: Do you have a monthly household budget?

Never budgeted per se. Every paycheck I always did my giving first, my saving second, my expenses third, and then anything left over went into my savings. But I knew my knowable expenses and if I had to I could dip into my taxable accounts for my unknowable expenses. It worked.
by bengal22
Sun May 20, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: SS Benefits and Medicare Part B Premiums Question
Replies: 10
Views: 1543

Re: SS Benefits and Medicare Part B Premiums Question

Thanks for all the replies and the link to the previous thread. The responses seem pretty consistent in that the monthly SS Benefits check is for the previous month's benefits and that the Part B Premium deduction is for the current month. Now, the next thing I need to figure out is how to pay my n...
by bengal22
Sun May 20, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: SS Benefits and Medicare Part B Premiums Question
Replies: 10
Views: 1543

Re: SS Benefits and Medicare Part B Premiums Question

I went through a similar situation and the good news is that S.S. will make a quick adjustment if your payments overlap and you double pay. I got a check in the mail for 2 months worth of prepaid medicare.
by bengal22
Sat May 19, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2940

Re: Wife Retiring hesitant to roll-over funds to Vanguard

I agree with wife. I would not have all assets at one place. It maybe an emotional decision but one I can live with.
by bengal22
Thu May 17, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: The Executor's Duties
Replies: 13
Views: 1361

Re: The Executor's Duties

My wife was an executor and we did it without a lawyer. Easy to do in Ohio. We did not give ourself an executor fee since it involved wife and 2 sisters. But you can give lawyers their fee and your executor fee and then do the total distribution between those named in will.
by bengal22
Thu May 17, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 49
Views: 4111

Re: Should I Pay Off My Mortgage When I Retire?

There is no Right or Wrong answer. If you are one that is emotionally opposed to having a mortgage pay it off. I am retired and have a mortgage that is about 5% of my invested assets. I have no problem sleeping at night.
by bengal22
Wed May 09, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6455

Re: What's the view on dogs running free?

It wont stop bothering you regardless of replies here. Put up a fence.