Search found 1473 matches

by bengal22
Sun Jan 13, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1101293

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: 61838

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: 61838

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: 5530

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: 6183

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: 4043
Views: 1101293

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: 5948

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: 4442

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: 1735

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: 6031

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: 4043
Views: 1101293

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: 4043
Views: 1101293

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: 3521
Views: 1033747

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: 1026
Views: 109898

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: 19501

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: 972

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: 985

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: 3238

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: 1512

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: 1289

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: 1715

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: 2152

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: 6872

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: 1421

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: 1650

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: 1014

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: 1026
Views: 109898

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: 574

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: 1980

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: 4043
Views: 1101293

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: 8164

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: 1531

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: 14492

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: 7114

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: 1485

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: 22075

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: 22075

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: 22075

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%. ...
by bengal22
Wed Dec 12, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22075

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%. ...
by bengal22
Sat Dec 08, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7315

Re: "The 10 Worst Places To Get Investing Advice"

It appears from list that you should not take financial advice from anyone. I think any financial advice(or any advice) should not be taken unless it is from someone you respect regarding finances, and it should be validated by your wisdom, your experience, your research, and input from others. I do...
by bengal22
Fri Dec 07, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6993

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

It does not prohibit bunching your property tax. I have no doubt that in December 2019 I will go to the county tax department and they will take my check for the next years taxes. I don't share your confidence that my county will accept December payments, though I did when this thread started. I ag...
by bengal22
Fri Dec 07, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6993

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

Last year, Warren County was super helpful in letting us pay the next years property tax the last week of December. They told us it was estimated but they stamped payment so we can bunch our property tax. I still plan on bunching my charitable giving and property tax by paying in December every oth...