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Re: [Poll] How long did you hold primary residence mortgage?

First house purchased new in 1970, held for seven years, sold and purchased larger new home in the same town, held it for 20 years, re-fied several times paying for living expenses, i.e., remodeling that house slightly, paying for kids college educations, their first automobiles, etc. Sold that hous...
by Billyboy
Thu Mar 12, 2015 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2669

Re: The QQQ fund?

As I've stated in a different thread on the QQQ's, I wouldn't touch that etf again with a 10 foot pole. I bought it in the 2000's at $85+/share and followed it down into the 20's, holding it for yrs hoping for a miracle, then finally unloading it at around $77 thinking I'd finally unload the dog. It...
by Billyboy
Sun Feb 22, 2015 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: The QQQ fund?
Replies: 21
Views: 1734

Re: Downside to eDelivery?

If both of us are gone, then someone else would have to step in at least until the estate was sorted out. Off and on, I've worked on a Doomsday Book with all the information that would be needed for our oldest daughter to take over things. When you try to capture it all in one document, it is amazi...
by Billyboy
Sat Jan 24, 2015 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2219

Re: Downside to eDelivery?

None. Use eDelivery for everything I possibly can: banking statements, all bills, except those not available to set up automatic eDelivery for, such as gardener, pool service and housekeeper. Those I pay online, still very simple. All major statements, financial, credit cards, utilities, etc. all eD...
by Billyboy
Sat Jan 24, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 36
Views: 2219

Re: Immediate fixed income suggestions

Lady Geek~ Could you please close this thread? I for one am sick of it! I know-----I don't have to read it!!! It's just back and forth about silly points after covering the OP's post!!! :annoyed My response, for example, is 100% predictable and not necessary in any way. But would I want someone els...
by Billyboy
Tue Jan 20, 2015 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 3589

Re: Immediate fixed income suggestions

Lady Geek~
Could you please close this thread? I for one am sick of it! I know-----I don't have to read it!!! It's just back and forth about silly points after covering the OP's post!!! :annoyed
by Billyboy
Tue Jan 20, 2015 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Immediate fixed income suggestions
Replies: 74
Views: 3589

Re: What's Your International % and Why?

I hold 18.5% of my equities in Vanguard's Total International Stock Fund. I really don't care for them; however, I've read so many posts on this site and Vanguard recommendations that in order to have a well diversified portfolio you should include International, much more than I hold but that's all...
by Billyboy
Mon Jan 19, 2015 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 12249

Re: Here's my situation.

First off, sorry about your injury. You've certainly found the best forum to educate yourself and set up the best plan moving forward. My thoughts only are to make a plan and stick to it. We basically use the 3 fund approach which I learned on this great site. I do deviate slightly, like many others...
by Billyboy
Sat Jan 17, 2015 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Here's my situation.
Replies: 20
Views: 2606

Re: Should I Declare Victory and Pack It In?

As you are well aware, one bad doctor's appointment and your whole life can change. Often with very little warning. Quit and run like hell! Life is too short to even think about it. I retired at 62 with about half the amount of your assets. Then, just 3 years later I was referred to a Surgeon by an...
by Billyboy
Sat Jan 17, 2015 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 17092

Re: Merrill Lynch or Vanguard

...This coming Friday, I will be sitting down with the salesperson and he will go over which funds he will recommend. I also plan to start a Roth IRA within the next few weeks with Vangaurd, contributing the max $11k ($5.5k for 2014 and $5.5k for 2015). ... I don't feel comfortable managing it myse...
by Billyboy
Thu Jan 15, 2015 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3378

Re: Who's buying Oil stocks?

Now I only invest in XOM via the dividends the stock provides me. I owned and still own XOM by way of Mobil Oil. I invested through work since age 25, at which time I became eligible for Mobil Oil's very generous stock plan. Mobil would give you 10% of your salary in Mobil Oil stock/yr. After steadi...
by Billyboy
Sat Jan 10, 2015 2:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 106
Views: 11381

Re: QQQ vs VGT (Vanguard Information Technology ETF)

Good question and good post. Thanks for the question and thanks to shipmate Billboy for his note on the BUY the Quebes Now Call from that radio host, I was one of the original Quebes investor since the first day they were launched when I was 100% in equities which were mostly in technology and then...
by Billyboy
Mon Dec 22, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: QQQ vs VGT (Vanguard Information Technology ETF)
Replies: 9
Views: 1458

Re: QQQ vs VGT (Vanguard Information Technology ETF)

Talk about memory lane, there's one memory concerning the QQQ's I will never forget. About 15 or 20 years ago, I subscribed to a newsletter whose author sent out a special bulletin proclaiming that there was a great "buying opportunity!" He wrote that his research (crystal ball, which are ...
by Billyboy
Mon Dec 22, 2014 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: QQQ vs VGT (Vanguard Information Technology ETF)
Replies: 9
Views: 1458

Re: After tax money to be left to Grandchildren

You might be able to add a simple codicil to the trust stating that distribution should take place when the youngest reaches Age xx. My in-laws did codicils to their trusts to change personal representatives and only needed notarized signatures to make the changes. Great info. Appreciate it very mu...
by Billyboy
Wed Dec 10, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax money to be left to Grandchildren
Replies: 15
Views: 2101

Re: After tax money to be left to Grandchildren

I agree that Target Retirement is a good, simple way to go. You could also replicate it with total stock, total international and CA muni's. Bonds pay so little now I don't think it would make much difference. A comment about your trust. I think I would have set it up so that it pays out to both at...
by Billyboy
Tue Dec 09, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax money to be left to Grandchildren
Replies: 15
Views: 2101

Re: After tax money to be left to Grandchildren

I would go with the Target Retirement option as well. The bonds will be minimal so the costs will be low. I don't think this will move off of 90/10 for 20 years or more. Let's just say the kids are now the owners of the account but they have no interest in investing. They just want to leave along w...
by Billyboy
Mon Dec 08, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax money to be left to Grandchildren
Replies: 15
Views: 2101

Re: After tax money to be left to Grandchildren

kaudrey, Will probably go all in as you suggest. Have gone all in before as well as have dollar cost averaged. It's really a toss up. No crystal ball for sure. imgritz, I was, infact leaning toward Total Stock Market/Total International Stock Market with a muni for the bond portion in that this is ...
by Billyboy
Mon Dec 08, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax money to be left to Grandchildren
Replies: 15
Views: 2101

Re: After tax money to be left to Grandchildren

Thanks to all for your thoughts. I'm getting quite a few different views, which I was hoping for. I was leaning towards Total Stock Market and Total International Stock Market for growth; however, whichever way I go, the age old problem pops up as to method of investing, all in, dollar cost average ...
by Billyboy
Fri Dec 05, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax money to be left to Grandchildren
Replies: 15
Views: 2101

Re: After tax money to be left to Grandchildren

Thanks boro for your input. :D Not certain about having bonds for growth.
Any other thoughts anyone?
by Billyboy
Fri Dec 05, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax money to be left to Grandchildren
Replies: 15
Views: 2101

After tax money to be left to Grandchildren

Hello all, Need some constructive recommendations to help my wife and I decide on what investments to use in our taxable account to best provide for our two Grandchildren. Our Granddaughter is 8 yrs. old and our Grandson is 5 yrs. old. They are the children of each of our two daughters who will not ...
by Billyboy
Fri Dec 05, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax money to be left to Grandchildren
Replies: 15
Views: 2101

Re: Eliminating my TIPS fund~alternatives?

There are additional complexities here. When you compare duration of TIPS, to duration of Total Bond Index, you are comparing two different things. For nominal bonds - the duration is sensitivity to nominal interest rates, for TIPS, the duration is the sensitivity to real interest rates. In additio...
by Billyboy
Tue Nov 25, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eliminating my TIPS fund~alternatives?
Replies: 12
Views: 1359

Re: Eliminating my tip fund~alternatives?

If there are others out there who would be willing to look at my follow-up question, crazy or not, as to splitting Tips, S-T with Intermediate-Term~50/50, I would appreciate your take. :o Thanks, Bill I'm willing. I've read on other posts that investing in two nominal bond funds 50/50 as you mentio...
by Billyboy
Tue Nov 25, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eliminating my TIPS fund~alternatives?
Replies: 12
Views: 1359

Re: Tax help needed

Thanks to all who answered.
Bill
by Billyboy
Tue Nov 25, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax help needed
Replies: 4
Views: 749

Re: Eliminating my tip fund~alternatives?

I'm guessing you're looking at the recent returns from both funds and thinking the longer duration TIPS fund "returns more." Well, over the brief lifetime of both funds, it could easily have gone the other way over such a short timeframe. Probably over the very long term, the longer durat...
by Billyboy
Tue Nov 25, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eliminating my TIPS fund~alternatives?
Replies: 12
Views: 1359

Re: Eliminating my tip fund~alternatives?

Thanks to all for your follow-up. Would there be any point of splitting Tips; half Short-Term Tips (VTAPX) with an avg. duration of 2.4 yrs. and half Intermediate-Term Tips (VAIPX) with an avg. duration of 8.0 yrs.? I presume, using the same dollar amount in each fund you could say the avg. duration...
by Billyboy
Mon Nov 24, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eliminating my TIPS fund~alternatives?
Replies: 12
Views: 1359

Tax help needed

Hello all, Looking forward slightly, how do I account for the following two Funds when using Vanguard's supplied Deluxe Federal and State Turbo Tax? 1. Vanguard Intermediate-Term Tax-Exempt Investor Share VWITX. 2. Vanguard CA Intermediate-Term Tax-Exempt Admiral Shares VCADX Any info you can supply...
by Billyboy
Sun Nov 23, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax help needed
Replies: 4
Views: 749

Re: Suggestions as I maximize my tax advantage accounts?

bump again for answers. lots of prep work involved here.
by Billyboy
Sun Nov 23, 2014 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions as I maximize my tax advantage accounts?
Replies: 5
Views: 1040

Re: Eliminating my tip fund~alternatives?

in_reality, Ok you bought something you didn't understand. Isn't selling something you don't understand a similar mistake. Anyway, you are talking about switching ST for intermediate term AND tips for regualr bonds. I would think about intermediate tips before throwing out the tips holding completel...
by Billyboy
Fri Nov 21, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eliminating my TIPS fund~alternatives?
Replies: 12
Views: 1359

Eliminating my TIPS fund~alternatives?

Hi all, My current Asset Allocation is 52% Equities, 38.7% Bonds and 9.3% made up of CD's, a Savings Acct. and a MMF. The 38.7% in Bonds are made up of 100% in Vanguard Bond Funds, largely consisting of Vanguard's Total Bond Market Index Admiral Shares VBTLX with a .08 ER. 18.8% of the Bond Funds ar...
by Billyboy
Fri Nov 21, 2014 2:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Eliminating my TIPS fund~alternatives?
Replies: 12
Views: 1359

Re: Pension and asset allocation

To me, it seems like common sense that if your basic expenses are covered by reliable sources such as SS and defined benefit pensions, then you can afford to allocate more of your portfolio to equities. As far as how to value such income streams, anyone who took a basic finance course can do a net ...
by Billyboy
Sun Nov 16, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension and asset allocation
Replies: 16
Views: 2468

Re: which bond fund should I use?

Don't think I would use all 40% in the above though!
by Billyboy
Tue Oct 14, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: which bond fund should I use?
Replies: 7
Views: 789

Re: which bond fund should I use?

Because I live in California and have a 9.3% state tax bracket and the fact I received quite a bit of feedback from Bogleheads on a separate thread, I chose the Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares (VCADX) .12 ER for my taxable account.
Bill
by Billyboy
Tue Oct 14, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: which bond fund should I use?
Replies: 7
Views: 789

Re: Question re: RMD

I had mine set up by Vanguard. I have it distributed monthly. I can also go to the Vanguard RMD site and skip a month, etc., as long as the req'd yearly amt. is distributed for the year.
Bill
by Billyboy
Mon Oct 13, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1579

Re: Leaning towards buying a 1-BR condo in Bay Area

One of my daughters lived in various areas of SF over a period of 12 or so years. What stands out to me the most was the lousy parking situation. If you are lucky enough to have a designated parking spot, that's worth extra $$'s and you've won half the parking battle. Any visitors may have to hunt f...
by Billyboy
Mon Oct 13, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2240

Re: Inflation and Total Bond Market Index

Bogleheads: There is a general misconception that when inflation increases, bonds must decline. Listed below are the historical U.S. inflation rates (CPI-U) and total returns for the Aggregate Bond Index since the Index inception: YEAR----INFLATION----BOND INDEX 1976-------4.9%--------15.6% 1977---...
by Billyboy
Sun Oct 12, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Income Fund vs. Total Bond Market
Replies: 32
Views: 2611

Re: What to use in Taxable Acct?

selling your vanguard intermediate tax exempt (not CA exempt) and swapping it for the CA exempt could be a very good idea. Just check: - If the effective after tax rate on the CA exempt is really higher (it usually is) - if there are any big unrealized capital gains on the fund that you'd recognize...
by Billyboy
Tue Oct 07, 2014 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1657

Re: mutual fund calculator?

backpacker,
Great calculator! 8-)
Thanks,
Bill
by Billyboy
Mon Oct 06, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: mutual fund calculator?
Replies: 3
Views: 547

Re: What to use in Taxable Acct?

with your current 11% cash allocation, I assume you have an ample cushion of spending cash separate? If this money is being continusly drawn from it would make taxes more complicated. if you want bonds in your taxable, I'd go with CA exempt bonds also. However, consider this too: 1) sell some stock...
by Billyboy
Fri Oct 03, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1657

Re: What to use in Taxable Acct?

David,
Thank you very much for your explanations. You've been very helpful. You've taken me from :confused to :) so I'm going to have a :beer, not really, but I'll have a cup of coffee, being it's only 9:50 am
here in California.
Bill
by Billyboy
Fri Oct 03, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1657

Re: Do you deviate from the BH philosophy?

Yes and no. I own several individual stocks. One I've held for over 39 yrs. and has a 0 cost basis due to distributions. It's in an IRA, so will have to pay taxes if and when liquidated. The other one, I've held about 4 yrs. and pays 11% in dividends based on my original cost, also held in an IRA. I...
by Billyboy
Thu Oct 02, 2014 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 4433

Re: What to use in Taxable Acct?

Given the high CA state taxes, I would recommend using the CA tax-exempt fund for your taxable bond allocation if you do decide to hold taxable bonds. You might also use I-Bonds, which are exempt from CA tax, and which defer the federal tax until you cash them in. You could also use the cash to buy...
by Billyboy
Thu Oct 02, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1657

What to use in Taxable Acct?

Hello all, I'm retired with no Tax Deferred space left. I'm currently 52% Equities/37% Bonds/11% Cash. I would like to reallocate to 52% Equities/48% Bonds. My tax bracket is 25% Fed. 9.3% State (CA.) I'm looking to put the 11% cash, which is taxable , into bonds at this time. Currently I have 4% of...
by Billyboy
Wed Oct 01, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to use in Taxable Acct?
Replies: 8
Views: 1657

Re: Suggestions for Portfolio Tracker

I use Morningstar. Whenever I've had questions on its use, they've answered them promptly. I enter everything manually on Morningstar because I prefer to do it that way. I also use my Bank of America accounts online Investments Tool. They imported my accounts, (Vanguard and Ally Bank) and tract ever...
by Billyboy
Thu Sep 25, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Portfolio Tracker
Replies: 15
Views: 1123

Re: Help with Asset Allocation and a large stock position

@OpenRoad - as a bystander to this thread with no financial interest at stake, it seems like you very quickly seized upon BigJohn's suggestion to include your company stock in your investment portfolio. That was your original option (1). I didn't read in your replies any real consideration of Scira...
by Billyboy
Mon Sep 08, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Allocation and a large stock position
Replies: 23
Views: 2401

Re: Which bond ETFs do you have?

None! I use all Vanguard Bond mutual funds. No plans to use ETFs for either bonds or equities.
by Billyboy
Sun Sep 07, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Which bond ETFs do you have?
Replies: 19
Views: 1906

Re: Anyone used Vanguard Flagship Services With Portfolio $1

I like the convenience of having a single contact. He's available whenever I've needed a question answered. He seems to remember any personal things we've discussed over the years. He probably has them at his fingertips or on recording. ha. I do use Turbo Tax yearly and do some trading with the 25 t...
by Billyboy
Sat Aug 30, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4641

Re: Ally Bank CD

I've held a CD ladder with Ally as well as a savings account. I've since cashed in one CD upon the renewal date because they have lowered their bonus amount for renewing. As the other three CD's come due I plan not to renew them and I will transfer the cash back to my taxable Vanguard MM fund for fu...
by Billyboy
Wed Aug 27, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1768

Re: Bond fund in taxable account (CA resident)

I just switched my VMMXX Money Market Fund to the Vanguard Intermediate-Term Tax-Exempt Inv. Share. (VWITX)
by Billyboy
Mon Aug 25, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund in taxable account (CA resident)
Replies: 14
Views: 1212

Re: Which Vanguard BOND Fund ?

If I may ask, as I'm also in the distribution phase, can you provide the percentages you hold in your mix of Investment Grade, Total Bond Market, Short-Term bond funds, SPIAs and cash? I also see you may not hold any TIPS. If you don't, can you give me your reasoning? I enjoy comparing other's pers...
by Billyboy
Thu Aug 21, 2014 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3420

Re: Which Vanguard BOND Fund ?

A number of Bogleheads do not see the Total Bond Fund as the apporpriate sole bond fund to hold. These doubters include Jack Bogle and Larry Swedroe (who have different reasons for not liking it). There have been many threads on this forum discussing this subject. The risks of corporate bonds have ...
by Billyboy
Thu Aug 21, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3420
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