Search found 1920 matches

by bengal22
Mon Apr 12, 2021 2:44 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 259
Views: 19387

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Saul Bellow - More Die of Heartbreak John Updike - Rabbit series Isaac Singer - Gimpel the Fool and other Stories. Saul Bellow and John Updike would be on my top 5 list. Plus Philip Roth, Ernest Hemingway, and William Faulkner. But best novel would be Great Gatsby. Of course that could change next ...
by bengal22
Mon Apr 12, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 259
Views: 19387

Re: Who is your favorite fiction author and what is your favorite book of theirs?

jabberwockOG wrote: Sat Jul 11, 2020 6:57 am Saul Bellow - More Die of Heartbreak
John Updike - Rabbit series
Isaac Singer - Gimpel the Fool and other Stories.
Saul Bellow and John Updike would be on my top 5 list. Plus Philip Roth, Ernest Hemingway, and William Faulkner. But best novel would be Great Gatsby.
by bengal22
Sat Apr 10, 2021 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 119
Views: 8740

Re: Stimulus check for spouse who recently died

You definitely get to keep stimulus check for your husband. My mom died in January and I received her check in the mail. It had her name and deceased and had my name %.. So they updated her info based on thev2020 return that I filed in March.
by bengal22
Fri Apr 09, 2021 6:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 102
Views: 8531

Re: Vanguard new portfolio watch tool

My recollection is that in the distant past (maybe it was pre-Yodlee?) it was possible to declare the type of an outside investment, and that was taken into account in Portfolio Watch. Now with a third of my investments categorized as "other", I can't get any useful information from the t...
by bengal22
Thu Apr 08, 2021 3:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 102
Views: 8531

Re: Vanguard Portfolio Watch has a new look

Finally my Fidelity holdings are correctly categorized. Before portfolio watch would just count them as "other" which made the tool meaningless. So it's an improvement. It's a good tool for rebalancing.
by bengal22
Mon Apr 05, 2021 6:31 pm
Forum: Personal Investments
Topic: 2021 Check Up. 31 Years Old. NW $5M.
Replies: 48
Views: 5853

Re: 2021 Check Up. 31 Years Old. NW $5M.

31 years old with over 5 million in serious assets!. Only 1 reason to be asking us if you are OK.

You are OK.
by bengal22
Thu Apr 01, 2021 6:07 pm
Forum: Personal Investments
Topic: Personal Rep from vangusrd
Replies: 7
Views: 586

Re: Personal Rep from vangusrd

Yes I am on the old platform. Never had a personal representative. Maybe this is just to push me to new platform. I will probably just take the approach of ignoring Email. I am slowly transitionIng taxable account funds to fidelity so I will only have my Roth with vanguard.
by bengal22
Thu Apr 01, 2021 5:47 pm
Forum: Personal Investments
Topic: Personal Rep from vangusrd
Replies: 7
Views: 586

Personal Rep from vangusrd

So I got an email from an individual who said he was a vanguard personal representative. He said he has a few account specific items he wants to discuss. The email looks official. I have been a Vanguard customer for 35 years and have never been contacted to assist me in meeting my financial goals. I...
by bengal22
Thu Mar 25, 2021 11:14 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1577
Views: 94591

Re: What are you listening to now

Nicolas wrote: Thu Mar 25, 2021 11:11 am The Yardbirds Essentials on Apple Music
The birth of led zeppelin
by bengal22
Thu Mar 25, 2021 11:13 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1577
Views: 94591

Re: What are you listening to now

Horologium wrote: Sun Jan 17, 2021 10:14 pm
bearcub wrote: Wed Dec 23, 2020 6:17 am
Nicolas wrote: Thu Dec 17, 2020 3:19 pm Dear Mr. Fantasy — Traffic
One of the best bands ever. Listening to John Barleycorn Must Die.
Great album. Have not listened to it for a number of years. I will have to rectify that. :happy
I always liked "low sparks of high heeled boys."
by bengal22
Thu Feb 25, 2021 6:22 pm
Forum: Personal Investments
Topic: Transfer on Death Plan Beneficiary Designation
Replies: 16
Views: 1400

Re: Transfer on Death Plan Beneficiary Designation

I talked to a vanguard rep about a year ago and it is true that you cannot designate beneficiaries for a joint non taxable account. This is another reason why I chuckle when someone mentions that the Vanguard ownership structure is what sets them apart from the rest.
by bengal22
Mon Feb 22, 2021 10:41 am
Forum: Investing - Theory, News & General
Topic: Life expectancy decline and Social Security.
Replies: 17
Views: 2022

Re: Life expectancy decline and Social Security.

I would assume that just because they changed life expectancy number after a year with a rare incident that suddenly the life expectancy for those that are in their sixties has changed. Or maybe I don't understand your question.
by bengal22
Tue Feb 16, 2021 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Aide
Replies: 13
Views: 713

Re: Tax Aide

We are doing the "drop off" method and started e filing on Feb 12th.
by bengal22
Thu Feb 11, 2021 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning organizer
Replies: 28
Views: 2397

Re: Estate planning organizer

I have a one pager that lists assets and point of contact. It's my death book.
by bengal22
Wed Feb 10, 2021 2:32 pm
Forum: Personal Consumer Issues
Topic: Breakfast cereal?
Replies: 172
Views: 18382

Re: Breakfast cereal?

Been on a health kick so I eat a bowl of cinnamon toast cereal most mornings. Sometimes when we're out of ice cream I have a bowl at snack time.
by bengal22
Mon Feb 08, 2021 11:01 am
Forum: Investing - Theory, News & General
Topic: Math of a donor advised fund
Replies: 32
Views: 1949

Re: Math of a donor advised fund

Hi All My financial advisor, in the end of the year review last December, mentioned I should consider setting up a Donor Advised Fund for charitable giving. The fund costs about $100/yr to run (it's a percentage of assets but in my case it'll revert to the minimum $100/yr) but other than the mainte...
by bengal22
Mon Feb 08, 2021 10:58 am
Forum: Personal Finance (Not Investing)
Topic: POA, MPOA for for 18 year old son?
Replies: 46
Views: 1900

Re: DIY will for 18 year old

Do you have a will? If yes can you make one specific to him? It could be real simple. Then get someone to witness it.

They have POA online that are free. Just insert names and woila.

All of this is free.
by bengal22
Sat Feb 06, 2021 9:11 am
Forum: Personal Finance (Not Investing)
Topic: tax question
Replies: 50
Views: 2816

Re: tax question

She would need to claim anything she makes from selling cookies as income for tax purposes. Even if she were to wander around parking lots looking for loose change or misplaced dollar bills, she would still need to include anything she found on her taxes. The easiest way to cheat Uncle Sam and his ...
by bengal22
Thu Feb 04, 2021 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a Letter of Testamentary if no probate needed?
Replies: 48
Views: 1773

Re: How to get a Letter of Testamentary if no probate needed?

1. In Ohio, for the filing cost of about $250 you can take 10 minutes and fill out about 4 forms, give the probate court a legal will, and you can have the executor named. This gives you legal access to frozen accounts. Then if assets are below Ohio requirements, the whole thing can be wrapped up. ...
by bengal22
Thu Feb 04, 2021 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a Letter of Testamentary if no probate needed?
Replies: 48
Views: 1773

Re: How to get a Letter of Testamentary if no probate needed?

1. In Ohio, for the filing cost of about $250 you can take 10 minutes and fill out about 4 forms, give the probate court a legal will, and you can have the executor named. This gives you legal access to frozen accounts. Then if assets are below Ohio requirements, the whole thing can be wrapped up. 2...
by bengal22
Wed Feb 03, 2021 10:17 am
Forum: Personal Investments
Topic: Vanguard Portfolio Watch - Stock Analysis
Replies: 14
Views: 1106

Re: Vanguard Portfolio Watch - Stock Analysis

Slightly different question about portfolio watch - if you enter outside stocks or mutual funds does portfolio include those in the analysis and if included, are the breakdowns accurate? I asked Fidelity about their portfolio analysis and they don't think it includes outside investments if you list...
by bengal22
Wed Feb 03, 2021 6:27 am
Forum: Personal Finance (Not Investing)
Topic: federal tax question - refund of state tax
Replies: 4
Views: 561

Re: federal tax question - refund of state tax

If you took std deduction year before state refund has no impact.
by bengal22
Tue Feb 02, 2021 12:17 pm
Forum: Personal Investments
Topic: Vanguard Portfolio Watch - Stock Analysis
Replies: 14
Views: 1106

Re: Vanguard Portfolio Watch - Stock Analysis

My fidelity holdings show up as "other" in portfolio making the tool worthless.
by bengal22
Mon Feb 01, 2021 10:49 am
Forum: Personal Consumer Issues
Topic: Credit Moves Before/After Retirement?
Replies: 10
Views: 858

Re: Credit Moves Before/After Retirement?

Depends upon your assets. I got a mortgage after I retired with no issues. Was that based upon regular pension type income/social security/etc., or was it based upon asset depletion figures? Was it a bank, credit union, or...? RM Not sure. I did have a pension but mortgage was a low percentage of a...
by bengal22
Fri Jan 29, 2021 3:54 pm
Forum: Personal Consumer Issues
Topic: Credit Moves Before/After Retirement?
Replies: 10
Views: 858

Re: Credit Moves Before/After Retirement?

Depends upon your assets. I got a mortgage after I retired with no issues.
by bengal22
Fri Jan 29, 2021 10:11 am
Forum: Investing - Theory, News & General
Topic: The tenets of Bogleheads philosophy
Replies: 26
Views: 1459

Re: The tenets of Bogleheads philosophy

arcticpineapplecorp. wrote: Fri Jan 29, 2021 10:03 am

Now, what's ERP?
Everyone Realizes Profitability
by bengal22
Fri Jan 29, 2021 9:44 am
Forum: Investing - Theory, News & General
Topic: The tenets of Bogleheads philosophy
Replies: 26
Views: 1459

Re: The tenets of Bogleheads philosophy

Enterprise Resource Planning??? Sounds star trek ish to me.
by bengal22
Thu Jan 28, 2021 8:38 am
Forum: Personal Consumer Issues
Topic: Where do you keep the original of your will?
Replies: 73
Views: 5471

Re: Where do you keep the original of you will?

life2.0 wrote: Thu Jan 28, 2021 7:09 am Freezer

Double zip-lock bag... in the freezer - executor knows it's in there.

Not 100% fire proof, but it's a simple will.
I tried that but all of my assets were frozen.
by bengal22
Wed Jan 27, 2021 6:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer survey
Replies: 21
Views: 1574

Re: Vanguard customer survey

Surveys are a marketing tool to give the illusion that a compamy truly cares about customer service and procuring feedback. You all didn't really think that surveys are acted upon did ya? Have you ever held a position in sales? I can assure you customer surveys can increase or decrease your bonuses...
by bengal22
Wed Jan 27, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: Where do you keep the original of your will?
Replies: 73
Views: 5471

Re: Where do you keep the original of you will?

My self prepared will is in a metal box in my closet. I suspect with my self prepared estate plan that it won't be needed.
by bengal22
Wed Jan 27, 2021 4:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer survey
Replies: 21
Views: 1574

Re: Vanguard customer survey

Surveys are a marketing tool to give the illusion that a compamy truly cares about customer service and procuring feedback. You all didn't really think that surveys are acted upon did ya?
by bengal22
Tue Jan 26, 2021 9:31 pm
Forum: Personal Investments
Topic: Opening a taxable account?
Replies: 7
Views: 904

Re: Opening a taxable account?

I found my taxable account very beneficial in my "tweener" years - between retirement and collecting SSA. I have used this account to supplement my pension. I used this account to pay for kids college. I used this account to pay taxes for my Roth conversions. I believe it is good policy to...
by bengal22
Mon Jan 18, 2021 10:35 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2777
Views: 275786

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

Watching "Pretend it's a City" a netflix 7 part series directed by Martin Scorsese. Funny and a great look at N Y C.
by bengal22
Mon Jan 18, 2021 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Advice to Avoid/Minimize MA Estate Tax
Replies: 60
Views: 3331

Re: Advice to Avoid/Minimize MA Estate Tax

3) Move to a state with no estate tax. Again, duh! Obvious and not helpful. PLEASE kindly limit the quote to the precise sentence relevant to your response. There is nothing more annoying than seeing a response that quotes a long thread chain, only to provide a one sentence response. Oops. Move to ...
by bengal22
Mon Jan 18, 2021 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Advice to Avoid/Minimize MA Estate Tax
Replies: 60
Views: 3331

Re: Advice to Avoid/Minimize MA Estate Tax

MA has a punitive estate tax that kicks in on any estate over $1MM. If the deceased has an estate valued at $5MM, the MA estate tax is about $400K. That's a hefty levy against someone who paid taxes to the state his/her whole life. I am looking for advice from those who have seriously considered th...
by bengal22
Fri Jan 15, 2021 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Terminal Illness - $trategy?
Replies: 37
Views: 6187

Re: Terminal Illness - $trategy?

I would make sure husband and siblings are listed as beneficiaries on any financial accounts. I would either sell or cotitle with your husband for car. I would set up house TOD to husband. If your husband gets along with siblings it makes thing easier to divide the things that fall through the crac...
by bengal22
Sun Jan 10, 2021 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Financial assistance for elderly friend (65 years old)
Replies: 39
Views: 3212

Re: Financial assistance for elderly friend (65 years old)

Hi everyone, Hoping I can get pointed in the right direction. Elderly woman receiving SSI ($750) needs approx $2,000/ month to live with no income Her bills are a $1200/mortgage and basic necessities. She does not have any assets other than her home. She cannot work as she has bad knees and limited...
by bengal22
Sat Jan 09, 2021 6:53 pm
Forum: Investing - Theory, News & General
Topic: Ark Funds
Replies: 158
Views: 23936

Re: Ark Funds

ARK funds are my rainy day bucket.
by bengal22
Wed Jan 06, 2021 7:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6583
Views: 1452754

Re: What Movie Have You Recently Watched?

DW and I currently binging on "The Mandalorian". Finished binging on "Jessica Jones" last week. The series came on marginally well done at the beginning but plot fragmented as time went on. Nowhere near as good as "Alias", "Strike Back", "Homeland",...
by bengal22
Wed Jan 06, 2021 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage When Retired
Replies: 19
Views: 1585

Re: Getting a Mortgage When Retired

I got a mortgage when retired and had no issues. If you have sufficient assets and good history you are OK.
by bengal22
Mon Jan 04, 2021 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Got my stimulus check, how about you?
Replies: 212
Views: 16389

Re: Got my stimulus check, how about you?

but I think many Bogleheads come from a place of pro ledge. And it is showing here in this thread. Confused by this? Typo? What is pro ledge? I assume it means those people that like to live on the edge financially. They are always one misstep from financial ruin. They are for living on the ledge.
by bengal22
Wed Dec 30, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2256

Re: Vanguard cash reserve check writing

Thanks for the warning, bengal2. I currently have Federal Money Market Fund in my brokerage account with checkwriting enabled. I should watch the day when/if this account gets "upgraded" to Admiral with checkwriting gone. By the way, you can check which funds have checkwriting enabled bef...
by bengal22
Wed Dec 30, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2256

Re: Vanguard cash reserve check writing

I believe Vanguard notified you of these changes. I had the same situation as I have been using the Prime MM fund for writing QCD checks on my IRA. However, since I knew about the change, I opened a Federal MM fund and requested checks for that fund. So, it seems that you have a problem of your own...
by bengal22
Wed Dec 30, 2020 11:56 am
Forum: Investing - Theory, News & General
Topic: $1200 stimulus to drop into my account 01/04/21
Replies: 71
Views: 9906

Re: $1200 stimulus to drop into my account 01/04/21

Can someone please explain. I already donated several thousand $$ back in the summer to my local food bank. I upped my amount to add the previous stimulus check. I paid via my IRA funds so they are not taxed. I expect I am now going to get some more stimulus money I do not need. So how do I donate ...
by bengal22
Wed Dec 30, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Terminal Illness - $trategy?
Replies: 37
Views: 6187

Re: Terminal Illness - $trategy?

I would make sure husband and siblings are listed as beneficiaries on any financial accounts. I would either sell or cotitle with your husband for car. I would set up house TOD to husband. If your husband gets along with siblings it makes thing easier to divide the things that fall through the crack...
by bengal22
Wed Dec 30, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: $1200 stimulus to drop into my account 01/04/21
Replies: 71
Views: 9906

Re: $1200 stimulus to drop into my account 01/04/21

I also plan to donate my stimulus money. In fact, I "pre-donated" $300 this week to take advantage of the CARES tax deduction. Many people are having a hard time this year. Those of us with economic security should step up. I should hope that the majority of BH folks will pass along whate...
by bengal22
Wed Dec 30, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2256

Re: Vanguard cash reserve check writing

Spent 3 hours on the phone with vanguard and other institutions. I have been a loyal Vanguard customer since mid-80's. I had a non taxable account with prime portfolio for all but 6 months of that time. I used prime to accept distributions and to write checks. This summer vanguard closed prime and ...
by bengal22
Wed Dec 30, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2256

Re: Vanguard cash reserve check writing

Thank you for posting this. I want to make sure that I have this right. Vanguard currently shows 4 taxable money market funds: Cash Reserves Federal Money Market (VMMXX), Cash Reserves Federal Money Market Admiral Shares (VMRXX), Federal Money Market (VMFXX), and Treasury Money Market (VUSXX). VMFX...
by bengal22
Wed Dec 30, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Personal Life Coach
Replies: 58
Views: 4381

Re: Personal Life Coach

I spend $80/hour twice a month to speak with a life coach. She seems to keep me on the rails and if I go too long without talking with her I tend to stray from my good habits. Does anyone else have similar expenditures that they feel add to the quality of their life???? I feel guilty like this is a...