Search found 1652 matches

by bengal22
Fri Dec 28, 2018 2:41 pm
Forum: Personal Investments
Topic: Help Me Help An Old Lady
Replies: 16
Views: 1740

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: 2188

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: 7063

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: Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2353

Re: Anyone rebalancing?

I did. 5% change. Back to 55/45 equity.
by bengal22
Sun Dec 23, 2018 2:43 pm
Forum: US Chapters
Topic: My New Avatar
Replies: 23
Views: 1525

Re: My New Avatar

The avatar that would be King
by bengal22
Thu Dec 20, 2018 9:00 pm
Forum: Personal Investments
Topic: Stick with Fidelity or open Vanguard account?
Replies: 34
Views: 1737

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: Personal Investments
Topic: Vanguard Portfolio Watch
Replies: 13
Views: 1054

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: 1241
Views: 125454

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: 590

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: 2080

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: 4464
Views: 1154199

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: 8404

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: 1568

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: 2697

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: 14737

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: Personal Investments
Topic: Questions: moving Fidelity solo 401k to VG?
Replies: 22
Views: 1389

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: Personal Investments
Topic: Questions: moving Fidelity solo 401k to VG?
Replies: 22
Views: 1389

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: 7406

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: 1127

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: 1526

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: 22632

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: 22632

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: 22632

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: 22632

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: 7533

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: 7142

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: 7142

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...
by bengal22
Fri Dec 07, 2018 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Probate after-action report: Oregon
Replies: 7
Views: 1004

Re: Probate after-action report: Oregon

We did it in Ohio without a lawyer and it was much quicker. The sale of the house was the longest lead time. We got death certificates within days. Everyone except for 1 or 2 exceptions were ok with copies. Got permission to be executor when we files. Clerks at probate were super helpful and made an...
by bengal22
Thu Dec 06, 2018 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 7142

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

This was the reply from my treasurer...the only reason I cannot deduct this year’s property taxes is because it will cost him too much...not that it’s gamimg the system...this is part of the email I received.... ————————————————- the following is part of the email I received——————————————— The escr...
by bengal22
Thu Dec 06, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Three Funds for Retirement Years
Replies: 8
Views: 1253

Re: Three Funds for Retirement Years

3 fund works for any stage. Other factors are whether assets are in taxable or tax deferred. At 70 you can use your rmd's for needed income or before then you can sell funds for income. I never saw the need for an income flow. I look at my portfolio to generate income based on growth.
by bengal22
Wed Dec 05, 2018 3:05 pm
Forum: Personal Investments
Topic: Retirement planning--how many years of cash equiv should I aim to have?
Replies: 16
Views: 2454

Re: Retirement planning--how many years of cash equiv should I aim to have?

I am currently in a somewhat similar situation to you. I have a pension that covers about 40% of my expenses. I am drawing a little with my wife's s.s. and my spousal benefit until I start drawing full benefits when I reach 70. I keep about 2-4 weeks in cash because I just draw monthly what i need b...
by bengal22
Tue Dec 04, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 27
Views: 5055

Re: "STAY THE COURSE" by John C. Bogle -- A Gem

Thanks for sharing, Taylor. Wall Street encourages complexity and Mr. Bogle designed simplicity which opened the market to main street. I beg to differ. Mouthpieces who peddle the fog of complexity in all its forms extend far and wide beyond just Wall Street. Mr. Larimore and Mr. Bogle have saved m...
by bengal22
Mon Dec 03, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting strategies
Replies: 21
Views: 2028

Re: Budgeting strategies

Never budgeted directly.

When paid, I would first write a check for giving and then write checks or direct deposit for investment. The balance then would be used for expenses. That way I always hit my savings and giving goals.
by bengal22
Mon Dec 03, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 27
Views: 5055

Re: "STAY THE COURSE" by John C. Bogle -- A Gem

Thanks for sharing, Taylor. Wall Street encourages complexity and Mr. Bogle designed simplicity which opened the market to main street.
by bengal22
Sun Dec 02, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Proper way to retire
Replies: 57
Views: 6659

Re: Proper way to retire

Based on the fact that you would strongly consider leaving your employer with zero warning, I would assume they will not have a problem with your sudden retirement. Go for it.
by bengal22
Fri Nov 30, 2018 3:28 pm
Forum: Personal Investments
Topic: Investing all at once vs dollar cost averaging?
Replies: 39
Views: 2734

Re: Investing all at once vs dollar cost averaging?

Opinions vary, but I would recommend: (1) Dollar-cost averaging Then go home, login to Vanguard, sell all your funds and buy them back using dollar cost averaging. This response completely ignores the whole concept that humans are not just a series of 1's and 0's. By your logic never invest in bond...
by bengal22
Mon Nov 26, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 83
Views: 7633

Re: Financial goals for 2019 (specific)

Never had financial goals other than striving for raises or promotions. I saved what I could, invested wisely, and everything else was beyond my control.
by bengal22
Sun Nov 25, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4464
Views: 1154199

Re: What Movie Have You Recently Watched?

Jack Reacher: Never Go Back , on Amazon prime. Lots of action, a few car chase scenes, a lot of running on foot. It's a nice change of pace, I liked it. I love the books (most of them). If I love the books, will I like the movies? Books are better than the movies. Tom Cruise was not an inspired cho...
by bengal22
Sat Nov 24, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5659

Re: What’s your “barometer” for luxury purchases?

My barometer? When spousal pressure exceeds limits, we buy.
by bengal22
Thu Nov 22, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4464
Views: 1154199

Re: What Movie Have You Recently Watched?

Blindspotting- great movie that everyone should see. Ending was a very powerful message on how we perceive others Crazy Rich Asians- Funny funny movie Ballad of Buster Scruggs - uneven but some of the segments were great. Especially the first and last one. "First time?" was the funniest line in the ...
by bengal22
Thu Nov 22, 2018 7:58 pm
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 60
Views: 5776

Re: What financial advice have you been most grateful for?

Earn all you can.
Give all you can.
Save all you can.
by bengal22
Tue Nov 13, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4464
Views: 1154199

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: 4464
Views: 1154199

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: 8
Views: 1953

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: Personal Investments
Topic: What? I'm a Vanguard Owner?
Replies: 10
Views: 1811

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: 15473

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.