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Re: Poll: TIP or VTIP

I put "other" since I have Vanguard Short-Term Inflation-protected Securities, Adm. shares (VTAPX).
by Billyboy
Wed Apr 02, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: TIP or VTIP
Replies: 11
Views: 549

Re: Hit a minor milestone today...

Congratulations. :sharebeer I was never able to max mine out; however, for many of the raises I received, I upped my 401k contribution by about the same amount.
by Billyboy
Fri Mar 14, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a minor milestone today...
Replies: 21
Views: 2726

Re: Does This Person Need Umbrella Ins Coverage?

I'm married with two adult children out on their own. If I have 2.3 mil in financial assets plus I own a house, #making payments# have about $250,000.00 in equity, with a double fenced, in-ground pool, two cars, maybe $100,000 in personal effects, how much of an umbrella policy should I realistical...
by Billyboy
Fri Mar 14, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 4414

Re: Does This Person Need Umbrella Ins Coverage?

I'm married with two adult children out on their own. If I have 2.3 mil in financial assets plus I own a house, (making payments) have about $250,000.00 in equity, with a double fenced, in-ground pool, two cars, maybe $100,000 in personal effects, how much of an umbrella policy should I realisticall...
by Billyboy
Thu Mar 13, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 4414

Re: % of annual income saved compared to final portfolio goa

Retired at 61 and met 1st goal of $1mil. @ age 55 saving .018% (of course that's NOT the whole enchilada. You have stock appreciation compounding dividends, etc.).
Reached 2nd goal of $2 mil @ age 65 saving .0%
by Billyboy
Mon Mar 10, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: % of annual income saved compared to final portfolio goal
Replies: 33
Views: 2644

Re: Be careful with Turbotax [Importing data from Vanguard]

I manually input all info into Turbo Tax. The only financial info I have ever imported was my Vanguard and Ally holdings to my Bank Of America, Investment site where everything is updated automatically for easy to follow and complete info.
by Billyboy
Wed Feb 26, 2014 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Be careful with Turbotax [Importing data from Vanguard]
Replies: 20
Views: 2604

Re: Transaction recorded incorrectly on VG Website

Before transferring all my financial assets to Vanguard, I had a situation with the large mutual fund company out of Baltimore, Md. concerning some erroneous information they verbally gave me over the phone concerning NUA's. Their error would have cost me almost $20,000 in taxes. After numerous call...
by Billyboy
Fri Feb 07, 2014 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Update: Transaction recorded incorrectly
Replies: 24
Views: 2293

Re: Tell me why I should not be overweight midcap index

I've held Vanguard's Mid-Cap Index (VIMAX) for four or five years now and it has performed very well. It has the best record for 1,5 and 10yr. comparison to the S&P and Total Stock Mkt. The 3 yr. return is/was less than 1% lower. I recently sold a substantial amount of VIMAX in order to become m...
by Billyboy
Fri Jan 31, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I should not be overweight midcap index
Replies: 29
Views: 2137

Re: Would Appreciate New Years Review Of My Portfolio

AndrewXnn,
I really appreciate all the time and effort you've put into your posts answering my questions.
Thank you very much.
Bill
by Billyboy
Sun Jan 26, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: Would Appreciate New Years Review Of My Portfolio

People tend to recommend international equities because they can appreciate if the US markets weaken. Over the last several years, just the opposite has occurred due in part to the oil boom and accommodative Federal policies. Of course, someday it could go the other way, but in the meantime be prep...
by Billyboy
Sun Jan 26, 2014 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: Would Appreciate New Years Review Of My Portfolio

Billyboy, I had hopes some one brighter than I am would show up and provide decent advice - but, I'll try to answer some of the outstanding questions. I think you've done a fine job and I appreciate it. BTW since you are around 50/50, why do you bring up age in bonds in my case? 30/70. My pension, ...
by Billyboy
Sun Jan 26, 2014 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: Would Appreciate New Years Review Of My Portfolio

Hopefully my responses will be in blue How would you consolidate my current holdings if I may ask? OK. I'll take a stab at it. I don't believe I read what asset allocation you decided on. And your pension, SS and RMDs cover most (?) of your expenses. So you may be able to handle a more aggressive A...
by Billyboy
Sat Jan 25, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: Would Appreciate New Years Review Of My Portfolio

Bump-t-bump-bump (One Attempt is all, promise :D )
by Billyboy
Fri Jan 24, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: Would Appreciate New Years Review Of My Portfolio

Shouldn't a large part of your decision be driven by the extent to which you need your investments to supplement your pension/SS income? I feel like the missing part of the picture here is what your total annual expenditures (including taxes) are (and by "are" you could also think of this...
by Billyboy
Thu Jan 23, 2014 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: Would Appreciate New Years Review Of My Portfolio

RadAudit May I ask how close you are to retirement, your current allocation, and your asset allocation goal? Thanks again. Bill Sure. I'm 67 and I retired in late 2010. My current allocation is approximately (I'm not going back for rounding errors and I hope the symbols are correct): Domestic Stock...
by Billyboy
Thu Jan 23, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: Would Appreciate New Years Review Of My Portfolio

I take it that you are in the 3 or 4 fund camp. Total Stock Mkt., Total International, Total Bond with possibly Tips Fund? I may not have made it all the way to the campgrounds, yet; but, yes, I'm trying to get there. From what little I know - and if the indices are correct - it's a pretty good app...
by Billyboy
Thu Jan 23, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: Would Appreciate New Years Review Of My Portfolio

RadAudit, Thanks for the bump and the advice. All is appreciated. I like your candor. Question #1. This is kinda why I'm confused, conventional wisdom is 30% in International, whereas, others on this site have said no International needed. #4 Opinions do vary greatly. Isn't it J. Bogle, who has said...
by Billyboy
Wed Jan 22, 2014 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: 100% Equities until age 55-58

I'd go for it. It worked for me. Of course, that doesn't mean it will for you. :sharebeer
by Billyboy
Wed Jan 22, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: (UPDATE: Scratch This Plan) 100% Equities until age 55-ish
Replies: 106
Views: 6846

Would Appreciate New Years Review Of My Portfolio

I've made a few changes to my holdings since my last visit and would appreciate you fellow Bogleheads to take a look and make any comments and recommendations on what I have and any changes/recommendations that you might suggest. Emergency Fund: None, if needed use Short Term Bonds in portfolio. Deb...
by Billyboy
Wed Jan 22, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would Appreciate New Years Review Of My Portfolio
Replies: 18
Views: 1555

Re: POLL: Investing vs. pay down mortgage feelings

Have had three houses over a period of 42 years, all with 30 yr. fixed loans. Re-fied at least 4 or 5 times, both with cash out, (pay for living expenses, college for my two daughters, their first cars, weddings, remodeling) and no cash out, lowering interest rate, (currently 3.625%). Always maxed ...
by Billyboy
Sun Jan 19, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 3836

Re: POLL: Investing vs. pay down mortgage feelings

Have had three houses over a period of 42 years, all with 30 yr. fixed loans. Re-fied at least 4 or 5 times, both with cash out, (pay for living expenses, college for my two daughters, their first cars, weddings, remodeling) and no cash out, lowering interest rate, (currently 3.625%). Always maxed o...
by Billyboy
Sat Jan 18, 2014 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 3836

Re: RMD's

Thanks Watty. That's an optimistic way of looking at it! Of course, the date 12/31/2013, in which this years RMD withdrawal starts for me, ended at the high followed by a down market today. I'm sure there must be something positive with that, but it escapes me at the moment. ha
by Billyboy
Thu Jan 02, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD's
Replies: 18
Views: 1505

Re: RMD's

Retread wrote:
Billyboy wrote:It helped me attain a low 7 figure portfolio...

Your RMD would indicate an IRA of about $2.3 million. Is that correct? Just being sure because of your description above.
Bruce
Yes, however, my RMD's are based on a little less than that because I still have some after tax money.
by Billyboy
Tue Dec 31, 2013 11:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD's
Replies: 18
Views: 1505

Re: RMD's

Thanks for your responses. As to trying to get away with it, that wasn't my intent. I would, of course, pay all the taxes I owe. Just blue skying it for another option of paying them. When I started investing in my late teens or early 20's, there of course weren't any 401k's, Roth's, etc. Whenever t...
by Billyboy
Tue Dec 31, 2013 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD's
Replies: 18
Views: 1505

Re: RMD's

Thanks. I was 99.999% sure I couldn't get away with it :thumbsdown :thumbsdown
by Billyboy
Mon Dec 30, 2013 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD's
Replies: 18
Views: 1505

RMD's

I have to start withdrawing RMD's in 2014. My calculations show they could be almost $83,000/yr. Undoubtedly a very crazy question; however, here goes anyway. If I were to purchase a second residence and including taxes, withdraw $830,000, there's no way of counting this as future RMD's is there? :t...
by Billyboy
Mon Dec 30, 2013 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD's
Replies: 18
Views: 1505

Re: Required Minimum Distribution

Wow :? After my stupid question I'm more confused. No one's fault but mine. I should have said that Vanguard would need to write the check made out to whatever charity I would choose, and maybe even have them send it directly to the charity to be on the safe side.
Thanks All,
Bill
by Billyboy
Fri Nov 15, 2013 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Required Minimum Distribution
Replies: 26
Views: 1469

Re: Required Minimum Distribution

Stupid, that I'm asking, but as an example, If I had an RMD of $80,000 next year, and if still a viable option in 2014, I could write a check to a charity (QCD) for $80,000 and not have to withhold anything; however, I could not show it as a charitable deduction. The positive outcome, therefore, wou...
by Billyboy
Fri Nov 15, 2013 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Required Minimum Distribution
Replies: 26
Views: 1469

Re: Retirement investments re-reallocation

Sorry for all your work, laying this all out with no results. I believe a few of the helpful Bogleheads have jumped ship or are laying low. There are still quite knowledgeable people on this site. I know I have received excellent advice over the years; however, recently I see very few posts from tho...
by Billyboy
Thu Nov 14, 2013 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement investments re-reallocation
Replies: 13
Views: 1425

Re: Do Bogleheads have a number?

I had a number. I hit it. I quit working. Don't let your number 'creep' up. Life is too short. Unless work is your passion, stop when you get to your number. And spend those years doing whatever it is that makes your soul smile. +1 or +2, can't keep track. I set out to hit $1M. I did at age 55. Ret...
by Billyboy
Mon Nov 11, 2013 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads have a number?
Replies: 118
Views: 11125

Re: POLL: What is your rate of return YTD?

Retired. 4.2% after withdrawing 2.6%.
by Billyboy
Sat Oct 19, 2013 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: What is your rate of return YTD?
Replies: 89
Views: 6156

Re: T Rowe Price Portfolio Manager gone bad?

Thought some of you would be interested in the T.R. Price's response. Hopefully, it'll be taken care of. I didn't realize this thread had already covered this subject. T.Rowe Price Portfolio Manager Postby Billyboy » Sun Sep 01, 2013 3:58 pm Hello all, If any of you use the Morningstar Portfolio Man...
by Billyboy
Tue Sep 03, 2013 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: T Rowe Price Portfolio Manager gone bad?
Replies: 6
Views: 1374

Re: T.Rowe Price Portfolio Manager

Thanks for the link whaleknives. Hadn't noticed it.
Do hope I get my info back.
by Billyboy
Sun Sep 01, 2013 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: T.Rowe Price Portfolio Manager
Replies: 2
Views: 478

T.Rowe Price Portfolio Manager

Hello all, If any of you use the Morningstar Portfolio Manager tool at T.R.P., are you having any problems with their format of the tool? Within the last two or three days there is a complete different format, now like the Morningstar format, which I don't care for at all. My biggest problem though ...
by Billyboy
Sun Sep 01, 2013 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: T.Rowe Price Portfolio Manager
Replies: 2
Views: 478

Re: Recap of Portfolio in transition and Bogleheads input ne

Paul, 1. Everything I have is at Vanguard with the exception of my cash at Ally. 2. Since I had individual stocks I had to have them in a Vanguard Brokerage Acct. The Brokerage Acct. is handled by Vanguards Brokerage Dept. and the Vanguard Funds are handled by a different department. I'll check furt...
by Billyboy
Fri Aug 23, 2013 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recap of Portfolio in transition and Bogleheads input needed
Replies: 10
Views: 892

Re: Recap of Portfolio in transition and Bogleheads input ne

Thanks pkcrafter. My comments are as follows. Thanks pkcrafter for your reply. With 50%, ($1.1 mil) in equities, I could actually take a 40-50% hit in a severe downturn, correct? ($400,000-$500,000)!! I don't like the sound of that; however, I don't really see a reason for going below 50% in equiti...
by Billyboy
Thu Aug 22, 2013 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recap of Portfolio in transition and Bogleheads input needed
Replies: 10
Views: 892

Re: Recap of Portfolio in transition and Bogleheads input ne

Thanks pkcrafter for your reply. With 50%, ($1.1 mil) in equities, I could actually take a 40-50% hit in a severe downturn, correct? ($400,000-$500,000)!! I don't like the sound of that; however, I don't really see a reason for going below 50% in equities, since we have SSI and pensions. Besides Bon...
by Billyboy
Wed Aug 21, 2013 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recap of Portfolio in transition and Bogleheads input needed
Replies: 10
Views: 892

Re: Recap of Portfolio in transition and Bogleheads input ne

Thanks Grt2bOutdoors, I feel our time horizon is about 20 yrs., just by going by longevity in our families, but you never know! My RMD's will be about $80,000/yr. starting next year, before taxes are taken into account. After taxes are paid the result should be enough to cover what we spend now, ove...
by Billyboy
Wed Aug 21, 2013 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recap of Portfolio in transition and Bogleheads input needed
Replies: 10
Views: 892

Re: Recap of Portfolio in transition and Bogleheads input ne

Have all the past knowledgeable Bogleheads jumped ship or just given up on me? Come on guys and gals, new Bogleheads and well seasoned Bogleheads, as you well know, it takes a lot of time to compile all the info and then, in my case, type it all with the fingers on one hand. My problem I know, but n...
by Billyboy
Tue Aug 20, 2013 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recap of Portfolio in transition and Bogleheads input needed
Replies: 10
Views: 892

Recap of Portfolio in transition and Bogleheads input needed

On March 24, 2012 I ran my portfolio past this forum and received valuable info. I've put quite a bit of it to use but still need your advice and insight. Current info: Debt: Mortgage: $325,000, 3.625% 30yr. fixed, 29+years remaining. Tax filing status: Married, filing jointly. Fed. tax rate: 25%, C...
by Billyboy
Mon Aug 19, 2013 1:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Recap of Portfolio in transition and Bogleheads input needed
Replies: 10
Views: 892

Re: 75% equity is max?

I was 100% Equities from age 17 to about age 60. In my case it turned out OK. I hit 1 mil at age 55. Started diversifying at age 60. Hit 2+mil at age 67. Currently 50/50 allocation, mainly due to this site. Feel more at ease now; however, with the possibility of losing over $500,000 in a severe down...
by Billyboy
Wed Aug 07, 2013 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: 75% equity is max?
Replies: 48
Views: 5502

Re: At what age you guys started investing ?

About age 8 savings account through school.
18 first mutual fund.
Age 22 first work savings plan.
by Billyboy
Tue Aug 06, 2013 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: At what age you guys started investing ?
Replies: 61
Views: 3502

Re: Retirement Planning

Retirement Planning by dbr » Wed Jul 10, 2013 7:25 pm If you are just interested in how to select funds than a very simple choice would be to first select some reasonably conservative asset allocation such as 40% stocks and 60% bonds as follows:25% Total Stock Market (US)15% Total International Sto...
by Billyboy
Wed Jul 17, 2013 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 38
Views: 3471

Re: Asset allocation by health?

A person's health status can turn on a dime.i've seen many instances of that. Also, your employer has a lot more control on how long you work then you do. +1. My health changed instantly through the mal-practice of a neurosurgeon, during a very basic procedure. I had made my number; now it doesn't ...
by Billyboy
Tue Jul 16, 2013 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation by health?
Replies: 9
Views: 617

Re: Not happy with market

I agree with the OP. I'm retired, diversified 50/50 and withdrawing monthly from my IRA. Both equities and fixed assets have both been sucking as of late. I realize there are always ups and downs; however, when both go down it's not fun. I also have a CD ladder and MM to help with the volatility. It...
by Billyboy
Wed Jun 12, 2013 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13088

Re: M* not updating portfolio $$

It's all BS. They've had problems for over a year now. I've contacted them at least three times and have been given the song and dance it should be up and working shortly... I used to get closing values by 4:00 pm Pacific time daily on all my mutual funds and individual stocks. No longer!! The only ...
by Billyboy
Sun Mar 24, 2013 2:01 am
 
Forum: Investing - Help with Personal Investments
Topic: M* not updating portfolio $$
Replies: 4
Views: 328

Re: CD Ladder Preferences

Thanks to all for your responses. This money is the only money I have that is taxable. It's not in an IRA so I'm not subject to RMD's, which I will be next year. :thumbsdown Like Dandy, it's just for peace of mind and stability. So, it seems to me, there would be no reason to put it with Vanguard wi...
by Billyboy
Thu Mar 21, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Preferences
Replies: 6
Views: 946

CD Ladder Preferences

I plan on building a 4 or 5 year CD ladder with a low six figure amt., well within FDIC limits and would appreciate any of you with experience in CD ladders give me your thoughts as to whether a 4 or 5 yr would be best and your thoughts of online bankers such as Ally, Pen-fed(sp.?), actual name?, an...
by Billyboy
Wed Mar 20, 2013 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Preferences
Replies: 6
Views: 946

Re: Poll for 65+ Seniors

I'm 69; wife is 65. We are currently 48% equities, 52% bonds--all at Vanguard in tIRA's. I don't really know what our allocation should be, other than the fact that most of the Boglehead's recommendations are even more conservative than we are. We both have SSI and pensions and I am withdrawing less...
by Billyboy
Tue Feb 12, 2013 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll for 65+ Seniors
Replies: 41
Views: 4559

Re: Two Comma Club

Congrats to all who have achieved the Two Comma Club and those working towards it. It takes a lot of being thrifty, patience and a lot of luck. I started investing when I was in my early twenties. Like some of the others reporting, every time I would get a raise, I would increase my contribution to ...
by Billyboy
Sat Jan 26, 2013 4:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23110
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