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Health Reimbursement Accounts, i.e. HRA's

Retired ATT employee here and the company is cutting its retirees loose for 2015, but giving us a fixed amount for out HRA to obtain medical insurance. Appears that the amount they are giving us will be enough to obtain a very good Medigap plan and PDP with a few bucks left over. Anyone else out the...
by Wild Willie
Sun Nov 09, 2014 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Reimbursement Accounts, i.e. HRA's
Replies: 2
Views: 404

Re: Withdrawl from Target Retirement or Life Strategy Fund

Since I am/was 100% in VTINX (which is 100% in my IRA), maybe my sharing what I do/did might help the OP. Perhaps I am fooling myself, but when "everyone" was saying that "bond fund NAV's have no way to go but down", I made a conscious decision to move one year of withdrawals int...
by Wild Willie
Sun Aug 10, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 4616

Re: Safe draw down %?

Since I'm approaching the mandated RMD stage of my life, I just did a calculation using my own portfolio and it appears my withdrawal rate will be about 3.6% (whether I like it or not). Other than maybe using part of that withdrawal to save after tax $$$ rather than spending it, doesn't that negate...
by Wild Willie
Sat Jun 28, 2014 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe draw down %?
Replies: 21
Views: 2122

Re: Safe draw down %?

Since I'm approaching the mandated RMD stage of my life, I just did a calculation using my own portfolio and it appears my withdrawal rate will be about 3.6% (whether I like it or not). Other than maybe using part of that withdrawal to save after tax $$$ rather than spending it, doesn't that negate ...
by Wild Willie
Sat Jun 28, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Safe draw down %?
Replies: 21
Views: 2122

Re: Annuities

My take on annuities if very simple, the insurance company is betting you will die early whereas with life insurance, they are betting you will not.

Just my $0.02.
by Wild Willie
Fri Apr 11, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 8813

Re: If you could have only one fund, what would it be?

I agree with Mel Lindauer - Vanguard Target Retirement Income Fund. It includes Total US and International Stocks, Total US and International Bonds, and TIPS. Hard to beat for the at-age investor. X2, I've been total VTINX for three years and couldn't be happier. Don't make much, but don't lose muc...
by Wild Willie
Fri Mar 28, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 124
Views: 23173

Re: Buyng Bonds? Instead of Money Market

I have 100% of my 401k account sitting in Vanguards Money Market fund. I'm too scared to move money into mutual funds with the current market conditions. Would you suggest moving at least part of my 401k account into bond funds (Vanguard Total Bond Market Index)? In theory, they should increase in ...
by Wild Willie
Wed Feb 12, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Buyng Bonds? Instead of Money Market
Replies: 10
Views: 1418

Turbo Tax for Flagship customers

Does anyone know if VG intends to offer free TT to flagship customers this year?
by Wild Willie
Wed Jan 08, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax for Flagship customers
Replies: 11
Views: 1222

Re: My Flagship rep promoted to Flagship Select

I have never talked to "my" Flagship rep because whenever I call in, he is never available and I prefer not to leave a callback. Doesn't really matter because I find every Flagship rep I talk to very knowledgeable and very helpful.
by Wild Willie
Sat Jun 22, 2013 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: My Flagship rep promoted to Flagship Select
Replies: 9
Views: 1908

Re: My thoughts on the drop in bond prices after Bernanke ta

by larryswedroe » Sun May 26, 2013 8:32 am Wild Willie Here is nice piece by John Cochrane re Kessler's piece. FWIW, IMO Cochrane is one of our best financial economics, and those interested might want to check out his "debate" with Krugman. A classic I recommend bookmarking his blog http:...
by Wild Willie
Sun May 26, 2013 9:24 am
 
Forum: Investing - Theory, News & General
Topic: My thoughts on the drop in bond prices after Bernanke talk
Replies: 43
Views: 4340

Re: My thoughts on the drop in bond prices after Bernanke ta

In line with the discussion on this thread (I think) is a column in Friday's WSJ by Andy Kessler. This is my interpretation of what he claims: Kessler claims that the Fed bond buying is actually limiting the liquidity available for certain "lenders" to lend. He states that since these &quo...
by Wild Willie
Sun May 26, 2013 6:43 am
 
Forum: Investing - Theory, News & General
Topic: My thoughts on the drop in bond prices after Bernanke talk
Replies: 43
Views: 4340

Re: Just Sold Out. What do you think?

The S&P and Dow at an all time high, the bond bubble is about to burst. I just couldn't take it anymore, I moved everything...................................in the front of my poor brain to the back of my poor brain, fired up my truck, hooked up the boat and went fishing. Guess the fish were wa...
by Wild Willie
Tue May 14, 2013 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 7758

Re: Solution to Bond Worries?

Speaking from experience, it doesn't pay to try to guess when the bond market will turn (as has been said ad nauseum by the bogleheads on this forum who I greatly respect). I have "stayed the course" with 100% in VTINX (except for emergency fund) for three years and have been very satisfie...
by Wild Willie
Thu Apr 11, 2013 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Solution to Bond Worries?
Replies: 21
Views: 3044

Re: VTINX (Target Retirement) Allocations

I was told by VG that it is going to be in effect for the third quarter of this year. :sharebeer
by Wild Willie
Thu Apr 11, 2013 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: VTINX (Target Retirement) Allocations
Replies: 7
Views: 1001

Re: WSJ article on "The 4% Rule" Here is the link.

I read this article yesterday and just saw this thread. If I could be so bold as to "cut to the chase" (as it were), I didn't see anyone discuss the alternative suggestion mentioned in the article about another SWR strategy, that being the one that suggested one use the IRS actuary tables ...
by Wild Willie
Wed Mar 06, 2013 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ article on "The 4% Rule" Here is the link.
Replies: 66
Views: 11964

tax treatment of a BP settlement payout

Got a "bud" who filed with BP for oil damage to his coastal property (just land, no structure on the property). Appears the settlement will exceed his cost basis in the land considerably. He was wondering how the payout will be viewed by the IRS when he claims this payout next year on his ...
by Wild Willie
Thu Feb 21, 2013 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: tax treatment of a BP settlement payout
Replies: 1
Views: 280

Re: Target Retirement Funds to add international bonds

As some of the posters have alluded to, the best part of all this besides the obvious increased diversification IMHO is the reduced duration in the TR funds due to changing the TIPS fund to short term TIPS. That, and the decrease in the allotment to MM funds, make this a win/win IHMO, especially sin...
by Wild Willie
Thu Feb 07, 2013 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds to add international bonds
Replies: 76
Views: 9635

Re: Finally arrived: The Vanguard Total International Bond F

As some of the posters have alluded to, the best part of all this besides the obvious increased diversification IMHO is the reduced duration in the TR funds due to changing the TIPS fund to short term TIPS. That, and the decrease in the allotment to MM funds, make this a win/win IHMO, especially sin...
by Wild Willie
Thu Feb 07, 2013 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 23778

Re: Chase Bank new checking account free $200

Oops, found a separate topic on this exact subject:

viewtopic.php?f=2&t=109763
by Wild Willie
Sun Jan 27, 2013 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Bank new checking account free $200
Replies: 44
Views: 5626

Re: Chase Bank new checking account free $200

Heard on a news program that effective today (I think) merchants, 'sticks and bricks' and also online merchants, can begin charging all credit and debit card purchases up to 4% additional charge, but they have to disclose it at time of purchase. That will pretty well kill all my points I accumulate ...
by Wild Willie
Sun Jan 27, 2013 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Bank new checking account free $200
Replies: 44
Views: 5626

Re: Target Retirement or Three Fund Portfolio ?

The ultimate simplicity for retired folks (like me).......100% VTINX, Target Retirement Income Fund. Love it. Willie: I agree that Vanguard's Target Retirement Income Fund is ideal for retirees who are in a low-tax bracket or have all their savings in tax-advantaged accounts. Yep, that be me. 8-) V...
by Wild Willie
Fri Jan 25, 2013 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7653

Re: How Bogleheads made me a worse Investor

The ultimate simplicity for retired folks (like me).......100% VTINX, Target Retirement Income Fund. Love it.
by Wild Willie
Fri Jan 25, 2013 11:48 am
 
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7653

Re: Wireless TV headphones

I purchased a similar set made by RCA for the same price from the local wallyworld. Works great.
by Wild Willie
Mon Jan 21, 2013 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Wireless TV headphones
Replies: 11
Views: 1351

Re: Should I move my Vanguard IRA to my ING 401k?

Whew! Finally got something right :sharebeer
by Wild Willie
Wed Jan 16, 2013 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I move my Vanguard IRA to my ING 401k?
Replies: 14
Views: 1112

Re: Should I move my Vanguard IRA to my ING 401k?

Didn't think it was possible to move an IRA into a 401k although I know you can do the reverse, i.e. roll a 401k into an IRA. Perhaps I'm wrong. Yes, you're wrong. From IRS Pub 590: Kinds of rollovers from a traditional IRA. You may be able to roll over, tax free, a distribution from your tradition...
by Wild Willie
Tue Jan 15, 2013 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I move my Vanguard IRA to my ING 401k?
Replies: 14
Views: 1112

Re: Should I move my Vanguard IRA to my ING 401k?

Didn't think it was possible to move an IRA into a 401k although I know you can do the reverse, i.e. roll a 401k into an IRA. Perhaps I'm wrong.

Oops, meant a 401k.
by Wild Willie
Mon Jan 14, 2013 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I move my Vanguard IRA to my ING 401k?
Replies: 14
Views: 1112

VG now withholds state taxes for ALL states?

As info, I handle my bro-in-law's IRA at VG and when I initiated a withdrawal today (first one for 2013 obviously), VG have me the option to withhold for Louisiana taxes for the first time. I have been asking for this option for several years, but prior to this, they only withheld for those states t...
by Wild Willie
Tue Jan 01, 2013 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: VG now withholds state taxes for ALL states?
Replies: 0
Views: 295

Re: How to calculate return on a portfolio

Let me jump in here with a different wrinkle: My case is different in that I am retired and make no contributions during the year, only withdrawals. The formula I use is (end + withdrawals - start) / start. Now, I realize that doesn't allow for the interest or dividends or appreciation effects of th...
by Wild Willie
Sun Dec 30, 2012 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: How to calculate return on a portfolio
Replies: 55
Views: 3963

Re: cd's from VG

DM200: I was planning on keeping the durations short so redemption prior to maturity shouldn't be a problem. I'm just trying to do better than the dismal return of money market funds for my short term cash. Are the returns of the cd's offered by VG competitive with banks or credit unions or should I...
by Wild Willie
Thu Dec 27, 2012 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: cd's from VG
Replies: 12
Views: 1843

cd's from VG

I know a phone call to VG could probably answer this question, but they seem to be pretty busy today with year end stuff and since I was already perusing this forum, I thought I would ask the group. The CD's that VG offers, are they new issues or do we purchase them on the secondary market? Just won...
by Wild Willie
Wed Dec 26, 2012 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: cd's from VG
Replies: 12
Views: 1843

Re: self directed IRA to purchase raw land as a hedge

All good points. Probably prophetic as to what decision I will eventually make, I noticed that there were zero respondents who thought my idea was a possible wise decision. I expect that I will still play around with the idea for awhile longer before I give in to the consensus and agree that this is...
by Wild Willie
Wed Dec 26, 2012 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: self directed IRA to purchase raw land as a hedge
Replies: 11
Views: 2542

Re: self directed IRA to purchase raw land as a hedge

Nedsaid: thanks for your comments, but I'm not hedging against precious metals, my intent is to hedge against inflation. Since 70% of my present ira is in bond funds which I know will take a hit on the nav when interest rates begin to rise, I was looking for a way to preserve some of my principal fo...
by Wild Willie
Tue Dec 25, 2012 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: self directed IRA to purchase raw land as a hedge
Replies: 11
Views: 2542

Re: Single Vanguard "target" fund for widowed

same here, I went 100% into the TR Income fund two years ago and couldn't be happier. I did it for the same reason you are exploring it and I was only 65 when I did it. Total return ytd is 7.8%. What's not to like?
by Wild Willie
Sun Dec 09, 2012 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: Single Vanguard "target" fund for widowed
Replies: 20
Views: 1866

Re: self directed IRA to purchase raw land as a hedge

Letsgobobby and Alan S. THanks for the comments, didn't think about RMD (which will start in about 4 years), but there will be sufficient $$$ in my other IRA to take care of that, Yep, thought about liability insurance and will need to check into that also. Regarding personal use of the land, that's...
by Wild Willie
Thu Dec 06, 2012 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: self directed IRA to purchase raw land as a hedge
Replies: 11
Views: 2542

self directed IRA to purchase raw land as a hedge

Been exploring the possibility of rolling over some of my IRA $$$ to buy some raw land as an inflation hedge through a self directed IRA because I "think" precious metals are in a bubble. Found a custodian that will process the purchase, etc., but looking for info to be able to judge their...
by Wild Willie
Thu Dec 06, 2012 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: self directed IRA to purchase raw land as a hedge
Replies: 11
Views: 2542

self directed IRA invested in real estate

Looking for comments about this topic. I just discovered that if you follow the IRS rules (which are substantial and somewhat complicated), you can rollover funds from an existing IRA to an IRA with a custodian that will allow you to invest in such things as precious metals, real estate, etc. Don't ...
by Wild Willie
Wed Dec 05, 2012 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: self directed IRA invested in real estate
Replies: 2
Views: 295

Re: Consuelo Mack interview Jack Bogle

Just watched the video. What a great man with so much common sense. Thanks Mel for posting this.
by Wild Willie
Mon Nov 26, 2012 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Consuelo Mack interviews Jack Bogle
Replies: 9
Views: 1312

Re: Who invests in only 1 bond fund?

My answer may not exactly the OP's questions, but I think I have the "best of all worlds" cuz I exclusively use the Target Retirement Income Fund (VTINX) which combines total bond, tips, international and domestic equites. Up 7% YTD.
by Wild Willie
Thu Oct 25, 2012 9:26 am
 
Forum: Investing - Theory, News & General
Topic: Who invests in only 1 bond fund?
Replies: 63
Views: 6041

Re: Absolute Return Portfolio

Not one fund, a mix of 26 different investments, like CAIBX, AHTFX, DBLTX, AEGFX and a bunch of other no load, but somewhat high ER mutual funds and four ETF's. After reading about WARAX, I'm guessing that the investment strategy is similar but different.
by Wild Willie
Fri Oct 19, 2012 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Absolute Return Portfolio
Replies: 19
Views: 1232

Re: Absolute Return Portfolio

To all: Thanks for all the comments. No, it is not one fund, it appears that it is a custom portfolio that they offer to many of their clients and while there is no load, WF charges 1.25% to manage the portfolio and the average ER of the underlying funds is .80% hence my comment that she is being ch...
by Wild Willie
Fri Oct 19, 2012 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Absolute Return Portfolio
Replies: 19
Views: 1232

Re: Absolute Return Portfolio

JP, yes, but I only get a 22 second message and then it ends.
by Wild Willie
Fri Oct 19, 2012 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Absolute Return Portfolio
Replies: 19
Views: 1232

Re: Absolute Return Portfolio

thanks for the response, but I couldn't get the podcast to play.
by Wild Willie
Thu Oct 18, 2012 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Absolute Return Portfolio
Replies: 19
Views: 1232

Absolute Return Portfolio

Anyone ever hear of this portfolio? I did a search and didn't find anything. It is apparently a Wells Fargo product and it is being highly recommended for my sis-in-law since my brother's death. They were previously invested in it and the returns have been very good, but with the management fees and...
by Wild Willie
Thu Oct 18, 2012 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Absolute Return Portfolio
Replies: 19
Views: 1232

Re: Tilting Target Income

Good to know. Thanks
by Wild Willie
Thu Oct 18, 2012 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilting Target Income
Replies: 6
Views: 440

Re: Tilting Target Income

In retirement and I have been 100% in Target Income for the last two years and have been extremely happy and yes, I know that we haven't had a real down market since I've been invested that way. Even so, when I looked at how TR Income did during the 2008-9 debacle, I'm still happy. One question for ...
by Wild Willie
Thu Oct 18, 2012 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilting Target Income
Replies: 6
Views: 440

Re: Pay-off or increase a mortgage ?

Also, why is everyone applauding taking out a loan to give the 'beneficiaries' something before you're dead? In other words, why aren't the 'beneficiaries paying the interest on their new found 'fortune'? Down here in lower La., we call that "giving with a warm hand rather than a cold hand"...
by Wild Willie
Mon Aug 27, 2012 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Pay-off or increase a mortgage ?
Replies: 50
Views: 5194

Re: variable annuity in an IRA

Update: FA aka salesman has advised that there is no surrender fees and that the VA returned 5% in the one year it was invested. Additionally, there is a death benefit of $15k that will be added to the 5% (of $100k initidal investement) bringing the total of the VA that will be paid out to his widow...
by Wild Willie
Sun Jul 08, 2012 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: variable annuity in an IRA
Replies: 8
Views: 829

Re: variable annuity in an IRA

Alan, he was 67, died last month, she is now 68. Never even thought about RMD and whether she should roll the IRA over or leave as an inherited IRA. Can you explain the signicance of the two options please?

Thanks
by Wild Willie
Wed Jul 04, 2012 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: variable annuity in an IRA
Replies: 8
Views: 829

variable annuity in an IRA

I have posted before about helping my brother's widow with her investments now that my brother has gone on to the "happy hunting grounds", but that post was about life insurance proceeds. Now I have a question because I just learned that his advisor convinced him to invest in a variable an...
by Wild Willie
Tue Jul 03, 2012 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: variable annuity in an IRA
Replies: 8
Views: 829
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