Search found 958 matches

by bearcub
Tue Jun 18, 2019 5:06 am
Forum: Investing - Theory, News & General
Topic: population growth and consumption
Replies: 15
Views: 1255

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: 3504

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: 11012
Views: 1923062

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: 11606

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: 11012
Views: 1923062

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: 46747

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: 4017

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: 1309

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: 1563

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: 4537
Views: 1168435

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: 7211

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: 7776

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: 9478

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: 5124

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: 1296

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: 420
Views: 41313

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: 903

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: 1287

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: 1287

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: 4537
Views: 1168435

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: 8013

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: 13515

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 ...
by bearcub
Sat Mar 30, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26822

Re: "The best and worst U.S. states for retirement"

Theirs a saying here in NJ. The last private sector retiree to leave the state, don"t forget to turn out the lights. Number 2 ranked state for folks fleeing it. To expensive, unless you are getting a state pension. I do like parts of my state, however I will be leaving soon myself.
by bearcub
Thu Mar 28, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 77
Views: 7067

Re: Recommend a good SOCK. Yes, I said SOCK!

Say yes to striped socks. Yes,no, YES!
by bearcub
Wed Mar 27, 2019 10:35 pm
Forum: Personal Investments
Topic: TIPS Funds Dividend.
Replies: 8
Views: 1287

Re: TIPS Funds Dividend.

Thanks grabiner!
by bearcub
Wed Mar 27, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: [Retiring before 65: How do you deal with health insurance?]
Replies: 87
Views: 10842

Re: [Retiring before 65: How do you deal with health insurance?]

Part of my severance was 13 months of health insurance. Been in the ACA ever since. Works for some, not so good for others. Depends on your income + medical needs. Best wishes.
by bearcub
Wed Mar 27, 2019 10:24 am
Forum: Personal Investments
Topic: What to do with investments when being laid off
Replies: 22
Views: 2250

Re: What to do with investments when being laid off

In June of 2008 I was given a severence package. Had my 401k in Wellington Fund. Transfered it Vanguard IRA. Few years ago put money in TIps Funds. No longer working. Beginning of this year transfered Wellington to Global Wellesley to fit my A.A. I like balanced funds, this way I stay the course. Wo...
by bearcub
Wed Mar 27, 2019 10:14 am
Forum: Personal Investments
Topic: TIPS Funds Dividend.
Replies: 8
Views: 1287

TIPS Funds Dividend.

Wondering if the two Vanguard TIPS Funds are paying out a dividend in March this year. Nothing listed?
by bearcub
Wed Mar 27, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?
Replies: 76
Views: 3963

Re: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?

I helped out a cousin a few years ago when she retired to transfer everything to Vanguard. I sat in on a Primerica "advisor". Enough said. She askes me to + is very happy with Vanguard. She gives me good holiday gifts today .LOL. If person does"nt ask I say nothing.
by bearcub
Mon Mar 25, 2019 7:00 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 7765

Re: Baby Boglehead - Investing after "winning the game"

Retired. Have 2/3s of my fixed income in the two Vanguard Tips Funds. The rest in Intermediate T.Fund,Corps. that are in Wellesley Global Fund,savings account, + some EE Savings Bonds that I"ve had for years from former job. Best wishes.
by bearcub
Fri Mar 15, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 846
Views: 85422

Re: What frugal thing did you do today?

Walked through an H-Mart and tasted all their samples. No need to spend cash on lunch.
by bearcub
Sat Mar 02, 2019 6:11 am
Forum: Personal Investments
Topic: What did wise people do with their investments in 2008
Replies: 102
Views: 7441

Re: What did wise people do with their investments in 2008

I was still in the workforce with a 401k. It was all in the Vanguard Wellington Fund. Just watched, but was very terrified. Today wife + I are in 2 balanced funds + TIPS Funds. Best wishes.
by bearcub
Sat Feb 23, 2019 4:06 am
Forum: Personal Investments
Topic: Beware of the Edward Jones neighborly visit.
Replies: 89
Views: 7884

Re: Beware of the Edward Jones neighborly visit.

A friendly Primerica rep wanted to set up my recently retired cousin in several front load high cost funds. The second time he came over I was their to listen. We politely said no thanks. I got her into a Vanguard account. Index funds + her IRA is in the target date retirement fund. Glad you are the...
by bearcub
Sat Feb 23, 2019 3:58 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1294
Views: 131426

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

Really like this new FBI show. Lot of popular actors in it also.
by bearcub
Wed Feb 20, 2019 3:33 pm
Forum: Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 368
Views: 42539

Re: Anyone tired of the stock market going up?

Amen carol-brennen! When mega corp merged the new folks in charge were tyrants. I was going to leave in 5 months but a surprise severance package was offered. I took it. Yes this is why I live a fairly frugal lifestyle. My last day I was so happy that I stopped in a church on the way home to pray. N...
by bearcub
Sat Feb 16, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3803
Views: 1094173

Re: What Book Are You Currently Reading? Part VI

UnDo It! Dr. Dean Ornish
by bearcub
Sat Feb 16, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1294
Views: 131426

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

Ray Donovan, Homicide Life On The Streets, Perry Mason.
by bearcub
Wed Feb 13, 2019 5:38 am
Forum: Personal Investments
Topic: Wellington & Wellesley Funds
Replies: 20
Views: 4014

Re: Wellington & Wellesley Funds

For many years before I retired I held only Wellington in my 401k . Today I hold the new Global Wellesley in one of my IRAs. Nothing wrong with some cash,CDs, etc. Best wishes.
by bearcub
Tue Feb 12, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 33253

Re: Early retirees, how much did you leave on the table?

Retired at 50 with severance package. 13 months of healthcare. Been on ACA since. Not 65. Mega corp. merged + was then run by tyrants. No regrets. Physical + mental health much better. I will never own a vineyard or travel the world but am pretty happy. Do some volunteer work for my religious organi...
by bearcub
Tue Feb 12, 2019 1:22 pm
Forum: Personal Investments
Topic: Investing in gold
Replies: 33
Views: 2266

Re: Investing in gold

Before findings Bogleheads, I had two Merk Funds invested in IRAs. One was a gold fund + the other a currency fund. They did well for the time I held them. No skill on my part, just luck. I transfered everything to Vanguard, Got out of those funds + into Vanguard funds. Not recommending them. Just s...
by bearcub
Sat Feb 09, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: "Living comfortably in retirement"
Replies: 71
Views: 9072

Re: "Living comfortably in retirement"

Agree with the post above. Also having a beer when you want + not taking crap from anyone. 8-)
by bearcub
Sat Feb 09, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 64
Views: 6784

Re: Thoreau Simplify

I have always lived below my means. Parents lived through depression. Shined shoes at 10. Then got paper route till end of H.S. At 10 my mum walked me down to the corner bank to open my own account. 20$ week in bank. 5$ for me to spend. Always put at least matching in 401k. More as I got older. Maxe...
by bearcub
Tue Feb 05, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4537
Views: 1168435

Re: What Movie Have You Recently Watched?

Strangers On A Train Hitchcock. Can"t believe I never seen this one before. Good movie.
by bearcub
Mon Feb 04, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: No longer can cash Savings bonds in bank branches?
Replies: 21
Views: 2049

Re: No longer can cash Savings bonds in bank branches?

Yep. I give them to my teller in my local bank all the time. She puts it right into my savings account. I just leave her a filled out deposit slip with the bonds + she does the rest.
by bearcub
Mon Feb 04, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Things to do in Inverness, Scotland
Replies: 9
Views: 827

Re: Things to do in Inverness, Scotland

Hey go140point6. If you vanish when swimming we know what happened. Nessie gets hungry. :mrgreen:
by bearcub
Mon Feb 04, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Tawny Port (Not Vintage Port): Sandeman or Taylor Fladgate?
Replies: 12
Views: 1129

Re: Tawny Port (Not Vintage Port): Sandeman or Taylor Fladgate?

Like Taylor better. The food warehouse I belong to has Sandman Reserve for a great price, so I get that. Like both Ruby + Tawny. Depends on mood + funds. LOL.
by bearcub
Sat Feb 02, 2019 6:42 am
Forum: Personal Investments
Topic: What do wise people do with 401(k) balances?
Replies: 35
Views: 4703

Re: What do wise people do with 401(k) balances?

The last 20 years or so of my working career I had my 401k in the Vanguard Wellington Fund. Maybe not the best move, but certainly not the worst. Best wishes.
by bearcub
Sat Feb 02, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Things to do in Inverness, Scotland
Replies: 9
Views: 827

Re: Things to do in Inverness, Scotland

Only spent part of a day their. They have a boat ride tour on the Loch. Guide goes through the history of it +of the town itself. Had salmon at a pub eatery which was very good. Forgot the name.This was like 15 years ago. Enjoy.
by bearcub
Wed Jan 02, 2019 3:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4537
Views: 1168435

Re: What Movie Have You Recently Watched?

Ben Is Back. Son comes home for Christmas Eve from a drug rehab. Julia Roberts plays his mum who goes the extra mile to help her son. Ending kinda leaves it up to you. Was good to see Courtney V. Vance playing the role of his step dad. Use to like him as Carver in Law + Order Criminal Intent.