Search found 986 matches

by bearcub
Sat Nov 09, 2019 4:55 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169748

Re: What Book Are You Currently Reading? Part VI

Undo It by DR. Dean Ornish + Anne Ornish. Modivation for a healthy lifestyle.
by bearcub
Wed Oct 16, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 135
Views: 26679

Re: Indexing beats Wellington and Wellesley right?

For many of my working years I held the Wellington fund in my 401K. I was happy with it. Could of maybe done better, but could of done much worse also.
by bearcub
Tue Oct 01, 2019 4:34 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1244899

Re: What Movie Have You Recently Watched?

bengal22...how so. Animal agriculture, overpopulation, shrinking resources,etc. I hope for the best + prepare for the worst. Goverments are.... fill in the blank.
by bearcub
Tue Oct 01, 2019 4:30 am
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9667

Re: Retirees - do you hold extra cash for a bear market?

Hold two balanced funds + reinvest dividends. Hold both Vanguard TIPS Funds also. Keep seven years what I need in the short-term one. All in IRAs. Still holding two years of mature EE Bonds.
by bearcub
Tue Sep 17, 2019 3:44 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169748

Re: What Book Are You Currently Reading? Part VI

Vineland by Thomas Pynchon.
by bearcub
Tue Sep 17, 2019 3:43 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1244899

Re: What Movie Have You Recently Watched?

Soylant Green was on yesterday. Seems to be coming true hmmm..
by bearcub
Tue Sep 17, 2019 3:39 am
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4699

Re: Seasoned retirees...

Freedom to go out into the heart of nature and to just breathe in that good a-s prana baby.
by bearcub
Wed Sep 11, 2019 5:17 pm
Forum: Personal Investments
Topic: How Many Bonds Funds? (Currently Have 4)
Replies: 8
Views: 970

Re: How Many Bonds Funds? (Currently Have 4)

Retired with both of Vanguard"s TIPS Funds. Their are other types of bonds in my two Balanced Funds. I try to keep it simple.
by bearcub
Sat Sep 07, 2019 3:10 am
Forum: Personal Consumer Issues
Topic: Mensa membership
Replies: 90
Views: 7311

Re: Mensa membership

Reminds me of the late Jim Morrison of the doors. Had a 142 IQ. Goes to show life can throw you curve balls + wrenches. Miss you Jim. Went to HS with a guy who they said was "slow". Some made fun of him. Today wealthy + owns his own tree trimming + landscaping business. Also a florist shop. Wife + h...
by bearcub
Thu Sep 05, 2019 1:35 am
Forum: Personal Investments
Topic: How do you let go of decisions that turned out to be the wrong ones?
Replies: 63
Views: 5139

Re: How do you let go of decisions that turned out to be the wrong ones?

I keep 7 to 10 years money safe. I don"t care if stocks or bonds soar. I sleep well anyway.
by bearcub
Thu Sep 05, 2019 1:29 am
Forum: Personal Investments
Topic: Has the bond bubble finally arrived? If so, is anyone doing anything about it?
Replies: 97
Views: 11345

Re: Has the bond bubble finally arrived? If so, is anyone doing anything about it?

I let my TIPS Funds reinvest the dividends when time comes. Retired so I"m keeping these funds for better or for worse.
by bearcub
Tue Sep 03, 2019 10:20 am
Forum: Personal Investments
Topic: Marie Kondo My Portfolio Please
Replies: 29
Views: 3090

Re: Marie Kondo My Portfolio Please

I"m retired and hold the Vanguard TIPS Funds, along with two Balanced funds. Keeps it fairly simple for me. Best wishes.
by bearcub
Tue Sep 03, 2019 3:49 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164285

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

Perry Mason reruns. Love the late Barbara Hale (Della Street).
by bearcub
Tue Sep 03, 2019 3:44 am
Forum: Investing - Theory, News & General
Topic: Inflation Protected Securities: When to Get in, not How
Replies: 64
Views: 4049

Re: Inflation Protected Securities: When to Get in, not How

Retired with two thirds of my FI in the two Vanguard TIPS funds. I sleep ok. Best wishes.
by bearcub
Thu Aug 29, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: Bond Investors Making A Killing
Replies: 85
Views: 10131

Re: Bond Investors Making A Killing

My two Vanguard TIPS Funds are up also. Hold them for my retirement withdrawals. Not to make a killing, but I will take any gain.
by bearcub
Mon Aug 26, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119657

Re: What frugal thing did you do today?

I went out into the heart of nature + ate berries from a tree for breakfast.
by bearcub
Mon Aug 26, 2019 2:44 pm
Forum: Personal Investments
Topic: Does anyone use TIPS mutual funds for 100% of their LMP allocation?
Replies: 61
Views: 3556

Re: Does anyone use TIPS mutual funds for 100% of their LMP allocation?

I am retired. I keep about 50 something % in TIPS funds. Five years in Vanguard short-term TIPS, rest in Vanguard longer term TIPS fund. Rest in balanced funds. Best wishes.
by bearcub
Thu Aug 22, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 45373

Re: Anyone disenchanted with retirement?

Nope. Over 10 years now hanging out in the heart of nature baby. Just breathing in that good a-s prana baby. Feels so good to be alive. 8-)
by bearcub
Fri Aug 09, 2019 11:14 am
Forum: Personal Investments
Topic: How much TIPS
Replies: 22
Views: 1783

Re: How much TIPS

27% of my total AA is in the two Vanguard TIPS Funds. 53% of my fixed income is in these funds. Small pension + SS.
by bearcub
Thu Aug 08, 2019 6:09 am
Forum: Personal Investments
Topic: New Jersey taxes
Replies: 58
Views: 3487

Re: New Jersey taxes

I pay 10 grand property tax while living in a Bergen County town. Only thing keeping me here is my 90 yr.old MIL. Not mad though cause I actually really love + get along well with her. Joke is that she will outlive me. LOL. I hold TIPS in IRAs. In taxable account I hold CDs,cash, + a few widow stock...
by bearcub
Thu Aug 08, 2019 5:55 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169748

Re: What Book Are You Currently Reading? Part VI

Feel Alive by Ralph Smart. Thinking + living life outside of the box.
by bearcub
Wed Aug 07, 2019 7:48 am
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4915

Re: thoughts on international funds

Since I invested in the new Global Wellesley Fund, I have more International than Domestic stocks in my allocation. My third eye sees International doing well. LOL. Not, it is what it is. Retired with the two TIPS Funds also. Some would never go this route, I get it. Best wishes.
by bearcub
Sun Jul 28, 2019 1:57 am
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 59
Views: 7238

Re: Simplicity ["The Minimalists” Movie on Netflix]

I have been following these guys for years,and met them twice in person. I have adopted a minimalistic lifestyle for years now + never looked back. Does it brings value to my life? That"s the question I ask myself. Yep, simplicity in investing also.
by bearcub
Wed Jul 10, 2019 5:35 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1244899

Re: What Movie Have You Recently Watched?

Yesterday. Cute kinda love story with some life lessons built in. Beatle"s music..... what more can you say.
by bearcub
Wed Jul 10, 2019 5:33 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4102
Views: 1169748

Re: What Book Are You Currently Reading? Part VI

Feel Alive by Ralph Smart of infinitewaters.com.
by bearcub
Wed Jul 10, 2019 5:30 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 10182

Re: Who cuts your hair? And for how much?

Local barber. She charges 15$ for haircut + touches up my beard for free. I give her 20$ + she is happy. Pretty Russian women with a nice accent does"nt hurt. Oh yeah, she does cut hair well.
by bearcub
Tue Jul 02, 2019 5:20 am
Forum: Investing - Theory, News & General
Topic: Allan Roth: Probabilities, Truth, and Consequences
Replies: 40
Views: 4141

Re: Allan Roth: Probabilities, Truth, and Consequences

In 2008-09 I was terrified. I held balanced funds. This way I did not do anything + turned out ok. Today I hold 2 balanced funds + the 2 Vanguard TIPS Funds.
by bearcub
Tue Jun 18, 2019 5:06 am
Forum: Investing - Theory, News & General
Topic: population growth and consumption
Replies: 15
Views: 1441

Re: population growth and consumption

So glad I am not young anymore. This is the 1st generation that will not live longer than their parents. Child obesity + high blood pressures. Other nations getting fatter also from american fast food chains,soda, etc. Consumption? Healthcare will become unsustainable cause of diabetes.
by bearcub
Fri May 17, 2019 7:37 am
Forum: Investing - Theory, News & General
Topic: Bonds beyond Total Bond Market - Anyone ?
Replies: 47
Views: 3899

Re: Bonds beyond Total Bond Market - Anyone ?

Retired. Most of my FI is in the two Vanguard TIPS Funds. Some Corp. bonds in my two balanced funds. Also have EE Savings bonds from when I was still working. They have matured + I can cash them in.
by bearcub
Thu May 16, 2019 6:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124353

Re: U.S. stocks in free fall

TimeLord= My balanced funds are in IRAs. Not in taxable accounts.
by bearcub
Thu May 16, 2019 6:34 am
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 101
Views: 12603

Re: If you are already wealthy, what keeps you motivated?

Fear. Medicare + Social Security. I do not trust D.C.
by bearcub
Tue May 14, 2019 6:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124353

Re: U.S. stocks in free fall

I have balanced funds. I do nothing. Let Vanguard rebalance for me.
by bearcub
Tue May 14, 2019 6:14 am
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 208
Views: 48405

Re: Frugality regret: What thing do you regret not spending on?

Flash forward. I regretted not seeing Tame Impala when they were in the area a few years back. Just got tickets to see them this summer at Madison Square Garden. Sometimes you can go back. LOL.
by bearcub
Sun May 12, 2019 7:11 am
Forum: Investing - Theory, News & General
Topic: William Bernstein first guest on new weekly Morningstar Podcast
Replies: 28
Views: 4409

Re: William Bernstein first guest on new weekly Morningstar Podcast

Thanks for this. Love listening to Bill. Could feel his emotion while talking about Jack. Thankful for these two gentlemen"s insights. The world is a better place cause of them.
by bearcub
Sat May 11, 2019 6:56 am
Forum: Investing - Theory, News & General
Topic: Balance Finds
Replies: 17
Views: 1456

Re: Balance Finds

Throughout my working years + post working years I have always held balanced funds in my IRAs + 401k. This way I never had to fiddle with it, cause I can mess up a free lunch. I do not hold them in my taxable accounts. Just saying what worked for me. Best wishes.
by bearcub
Thu May 09, 2019 6:01 pm
Forum: Personal Investments
Topic: Global Wellesley + Wellington
Replies: 4
Views: 1899

Global Wellesley + Wellington

Been over six months since these funds were released. Curious what folks think so far since they invested in them. All"s good, any regrets. I hold Global Wellesley in an IRA. :confused
by bearcub
Tue May 07, 2019 4:43 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1244899

Re: What Movie Have You Recently Watched?

What The Health. Very eye opening for some folks. Food as medicine or disease causing.
by bearcub
Mon May 06, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 7968

Re: Which US city would you move to?

Hell, Michigan. The woman + men are hot their. It"s 15 miles northwest of Ann Arbor. :twisted:
by bearcub
Thu May 02, 2019 6:43 am
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 10446

Re: "The market is overvalued"

This is why I like balanced funds. They stay the course for me.
by bearcub
Tue Apr 30, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 10222

Re: EXTREMELY frugal things from our parents and grandparents

Reuse the tea bag if having more than one cup. :beer
by bearcub
Sat Apr 27, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"
Replies: 48
Views: 5644

Re: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"

I believe last year The Ukraine was the big winner. Pakistan was a couple years ago if I remember correctly. Umm, somebody said nobody knows nothin.LOL.
by bearcub
Fri Apr 26, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Inflation assumption for planning
Replies: 24
Views: 1469

Re: Inflation assumption for planning

I don"t predict. Bill Bernstien once said something like, the time to buy hurricane insurance is when the sun is shining, lol. I hold about 2/3s of my FI in the two Vanguard TIPS Funds. I don"t plan on making much money with these, but they work with the allocation I want. Best wishes.
by bearcub
Wed Apr 24, 2019 7:37 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 430
Views: 46353

Re: I don't understand the case for EE bonds

I entered the savings bond program years ago after maxing out my 401k. Every two weeks they would take out for a bond + mail it to me. The less money I touched the better. Would I do it today considering what I know now? Probably not. I do not consider it a bad mistake though. They are now at maturi...
by bearcub
Tue Apr 16, 2019 6:41 am
Forum: Personal Investments
Topic: Investing for Inflation, Disinflation or Deflation...What to do?
Replies: 9
Views: 1017

Re: Investing for Inflation, Disinflation or Deflation...What to do?

Bill Bernstien once said in an interview that you can"t prepare for everything. You will be like a dog chasing his tail. I have about 2/3s of my fixed income in TIPS Funds. I am retired. Not advice, just what I do.
by bearcub
Mon Apr 08, 2019 5:56 am
Forum: Personal Investments
Topic: TIPS Funds Dividend.
Replies: 8
Views: 1439

Re: TIPS Funds Dividend.

Pascalwager..... I am retired + keep both funds in my Traditional IRA. Keep a couple of years in the short-term fund, larger amount in the long-term one. Withdraw + replace. Nothing fancy here but it works for me. Best wishes.
by bearcub
Sat Apr 06, 2019 5:35 am
Forum: Personal Investments
Topic: TIPS Funds Dividend.
Replies: 8
Views: 1439

Re: TIPS Funds Dividend.

I realized that the short-term fund does"nt pay out a dividend in March. The long-term one does sometimes but this year no. Still keeping them as part of my plan. Take care.
by bearcub
Fri Apr 05, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1244899

Re: What Movie Have You Recently Watched?

The Gate. Story about the discovery of The Baha"i Faith.
by bearcub
Fri Apr 05, 2019 5:53 pm
Forum: Investing - Theory, News & General
Topic: The real impact of inflation on Retired Folks?
Replies: 101
Views: 8542

Re: The real impact of inflation on Retired Folks?

Hmmm... can"t say from experience. I have about 2/3 of my fixed income in TIPS. Retired. Is this a good investment? I"ll get back to you on that.
by bearcub
Mon Apr 01, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 14955

Re: Folks in their 60s and above. What early investment on health do you recommend.

Over 6 years ago my M.D. was gonna put me on 3 meds. They were for blood pressure, high glucose, + high cholesterol. I said hold off. I started a plant based, wholefoods (vegan) lifestyle. Walk most mornings when the sun comes up + lost 50LBS. Today since I"m retired I cook most of my own meals. At ...