Search found 1652 matches

by bengal22
Sun Feb 03, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 66
Views: 4579

Re: Has anyone used software to write a Will?

I used the will my FIL used successfully and changed the names. Our friends signed as witnesses. We have two adult children and have set up most assets as kids as beneficiaries. People view estate planning as some magical thing that requires expensive consultants to review and bless. Make sure you r...
by bengal22
Fri Feb 01, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 10203

Re: Were you 100% debt free at retirement

I was not debt free when I retired. I am not debt free now. I have a 3.25% mortgage which is about 3% of my assets. I could pay off my mortgage if so desired. I do not feel more stress because of this debt. I would not have more options if I paid off this mortgage. Paying off this mortgage would jus...
by bengal22
Fri Feb 01, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits Question
Replies: 18
Views: 1960

Re: Social Security Benefits Question

Scenario: Husband was born in 1952 and is currently age 66 and 11 months, his full retirement age benefit amount is $1,700 per month. Wife was born in 1953 and is currently age 65 and 5 months, her full retirement age benefit amount is $1,000 per month. Here is their plan: Wife to file for her own ...
by bengal22
Thu Jan 31, 2019 10:27 pm
Forum: Personal Investments
Topic: When Did You Move Your Goalposts?
Replies: 33
Views: 2896

Re: When Did You Move Your Goalposts?

My only goal post was age. I always thought that I would retire at 55. But when I hit that number I was still having fun and making serious money. So I kept working until I was 60 and then because of things beyond my control I retired except for a couple of 6 month contract opportunities. I never ha...
by bengal22
Thu Jan 31, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 155
Views: 10923

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

livesoft wrote:
Thu Jan 31, 2019 5:24 pm
Our dog can hold it for 16+ hours. Maybe you are feeding the dog too much food? When we were both working, we never came home to let him out nor made any arrangements.
I agree. We had a golden that did not need let out for 12 hours.
by bengal22
Thu Jan 31, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4465
Views: 1154296

Re: What Movie Have You Recently Watched?

Due to 2 days of rain down here in paradise we just saw Upside and The Green Book. Neither were as brilliant or thought provoking as Roma but I would strongly recommend them. Just curious why you think Roma is brilliant.I think the lead actress lived a life exactly as most people would have expecte...
by bengal22
Thu Jan 31, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 10203

Re: Were you 100% debt free at retirement

Had a mortgage at retirement and still have a mortgage. At 3.25% I will not pay off early.
by bengal22
Wed Jan 30, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 144
Views: 13354

Re: What do you think are (some of) the best states to live in?

22twain wrote:
Wed Jan 30, 2019 9:39 pm
bengal22 wrote:
Wed Jan 30, 2019 5:45 pm
I also like Ohio because of [...] safe subways.
Like the one in Cincinnati? :wink:
Exactly
by bengal22
Wed Jan 30, 2019 10:03 pm
Forum: Forum Issues and Administration
Topic: WHY is there a no public discussion policy
Replies: 15
Views: 1259

Re: WHY is there a no public discussion policy

This is the last thing board needs. Moderators do a great job of keeping the drama out
by bengal22
Wed Jan 30, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 144
Views: 13354

Re: What do you think are (some of) the best states to live in?

At the end of the day the best states are where my family is- Ohio and Washington. I also like Ohio because of the hospitable people, Cheap housing, and safe subways.
by bengal22
Wed Jan 30, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 232
Views: 42634

Re: # 1 on Amazon

Bogleheads: The Bogleheads' Guide to The Three-Fund Portfolio is now an Amazon #1 "Best Seller. " https://www.amazon.com/gp/bestsellers/digital-text/8493788011/ref=zg_b_bs_8493788011_1 Thank you and best wishes Taylor Great news and well deserved! :beer Thank You, Taylor, for all that you have done...
by bengal22
Wed Jan 30, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4465
Views: 1154296

Re: What Movie Have You Recently Watched?

Due to 2 days of rain down here in paradise we just saw Upside and The Green Book. Neither were as brilliant or thought provoking as Roma but I would strongly recommend them.
by bengal22
Wed Jan 30, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Your Opinion Of Vanguard Retirement Calculator
Replies: 17
Views: 1407

Re: Your Opinion Of Vanguard Retirement Calculator

I use the fidelity retirement calculator and think its great. Good way to capture expected retirement income and expenses. For me that's the first step in knowing what I need to withdraw from portfolio.
by bengal22
Tue Jan 29, 2019 11:03 am
Forum: Investing - Theory, News & General
Topic: An emergency fund cautionary tale
Replies: 89
Views: 10593

Re: An emergency fund cautionary tale

There is a difference between not having any savings and not having an emergency fund. I suspect those impacted by a furlough had no savings. I can shift monies from my taxable funds to my vanguard prime account in one business day. That should handle any normal emergency short of nuclear war or a z...
by bengal22
Mon Jan 28, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Sharing Elementary Class Photos
Replies: 40
Views: 2822

Re: Sharing Elementary Class Photos

Wow. Not to change opinions, but this would not be for any money. Also, multiple webpages say that yearbooks before 1977 without a stated copyright do not hold a copyright. Not trying to change opinions, we'll just put the dusty box back on the shelf. People post elementary class photos all the tim...
by bengal22
Sun Jan 27, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 62
Views: 6144

Re: Where do you keep your emergency fund?

In Windsor 2, 500 index, Wellington, and Wellesley. This is my taxable account.
by bengal22
Sun Jan 27, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 114
Views: 7979

Re: What did you learn from 2018 in the markets?

Agree with the "nothing new under the sun" Solomon quote.
Relearned that day to day market gyrations have absolutely no impact on my day to day living.
by bengal22
Fri Jan 25, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 155
Views: 18052

Re: What's your cash position

I would not take that bet. :) Seriously though, how do people with such a low cash allocation deal with “unexpected” meaningful expenses? My 8% translates into a bit more than $300k, which is arguably an excessive amount to keep in cash, but it means I never have to sell any of my bonds or stocks w...
by bengal22
Thu Jan 24, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate allocation of Church funds
Replies: 30
Views: 2087

Re: Appropriate allocation of Church funds

One thing our church did was to set up a legacy foundation fund which has been authorized by the state tax group and the IRS. We promote and handle legacy and special giving. We have a board that handles investments and dispursements. I am on that board. We also have a church finance committee that ...
by bengal22
Thu Jan 24, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 291
Views: 25532

Re: What lifestyle creep made you happier?

Don't think my happiness is tied to lifestyle BUT I do enjoy better restaurants and I like that I am a more generous tipper.
by bengal22
Thu Jan 24, 2019 12:22 pm
Forum: Personal Investments
Topic: My plan for Asset Allocaiton
Replies: 17
Views: 1300

Re: My plan for Asset Allocaiton

With your Income any AA will work.
by bengal22
Thu Jan 24, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Snowbirds - Spending time in Fla during the winter
Replies: 7
Views: 1436

Re: Snowbirds - Spending time in Fla during the winter

Fort Myers Beach
Naples

Good to go as far south as possible in winter.
We used VBRO
by bengal22
Thu Jan 24, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 70
Views: 3702

Re: Recommendation for pickup truck?

Because of quality, reliability, and "cooler" image, I would only buy a GM or Ford pickup.
by bengal22
Thu Jan 24, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How does grandparent pay taxes from babysitting income?
Replies: 12
Views: 1987

Re: How does grandparent pay taxes from babysitting income?

Grandparents getting paid to babysit grandkids. What a concept.
by bengal22
Tue Jan 22, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8327

Re: What is a Boglehead funeral/burial?

steve roy wrote:
Sat Jan 19, 2019 11:53 pm
Burial arrangements?

Brown wrapping paper, twine, and a large dumpster in the dead of night ought to do just fine.
Yes indeed. I don't think there is a boglehead funeral but if there was one, they would do it themselves.
by bengal22
Sat Jan 19, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 26
Views: 2944

Re: NY Times $1 per week digital

Too expensive for me.
by bengal22
Fri Jan 18, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 164459

Re: Boglehead Beer

What is a Boglehead beer? It should have good taste but it should be reasonable in cost, right? What is the beer of choice for the Boglehead? Also, what is the beer of choice when splurging? :lol: I would think boglehead beer would be happy with average: "taste OK; semi-filling." My go to beer is N...
by bengal22
Fri Jan 18, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Myrtle Beach Restaurants
Replies: 15
Views: 1119

Re: Myrtle Beach Restaurants

So we ate at this place where they wrote your order on toilet paper, yelled at you, and kind of tossed your food at you. I don't remember their name but if I did I would not eat there again
by bengal22
Sun Jan 13, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4465
Views: 1154296

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: 106
Views: 66310

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: 106
Views: 66310

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: 49
Views: 7302

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: 103
Views: 12690

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: 4465
Views: 1154296

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: 6211

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: 4562

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: 1779

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: 6192

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: 4465
Views: 1154296

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: 4465
Views: 1154296

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: 3741
Views: 1077855

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: 1241
Views: 125459

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: 20234

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: Personal Investments
Topic: End of the year portfolio checkup! Happy New Year!
Replies: 9
Views: 1126

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: 1035

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: 3444

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: 1575

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: Personal Investments
Topic: Asset Allocations (how to include a pension in planning)
Replies: 17
Views: 1334

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...