Search found 92 matches

by Wild Willie
Sun May 24, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: Viking river Cruise - Budapest to Nuremberg
Replies: 11
Views: 1681

Re: Viking river Cruise - Budapest to Nuremberg

Wife and I just got back from a river cruise on a competitive line, i.e. AMA Waterways that originated in Paris and went to Normandy area and back. Having been on several ocean cruises before, we found this cruise more to our liking because of the smaller dining, traveling and excursion groups. We f...
by Wild Willie
Sun Jan 18, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Free TurboTax for Flagship [Problem obtaining free download]
Replies: 16
Views: 2269

Re: Free TurboTax for Flagship [Problem obtaining free downl

[b][i][u]1) signed in to vanguard 2) went to the tax center and selected the TT icon "get started now and save" 3) selected "see products" under the download icon in the screen that popped up. 4) selected "buy now" under deluxe 5) selected my OS 6) selected no thanks to...
by Wild Willie
Sun Jan 18, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5524

Re: Vanguard and Turbo Tax

TurboTax is active and I've already downloaded the Premier version which costs $9.99 for Flagship clients. You're missing something on the Website. Gill I thought the VG website indicated that Flagship customers get the desktop downloaded version at no cost? It indicates that the online version cost...
by Wild Willie
Wed Jan 14, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7482

Re: Reporter doing story on Turbo Tax Fracas

I don't do interviews, so I'm not much help directly to the reporter. I've used Turbo Tax for a number of years, and been increasingly annoyed with their upsell and hidden costs (like added cost to efile state). I normally used "Deluxe", but I was pretty annoyed last year when "Premi...
by Wild Willie
Sun Dec 28, 2014 10:34 am
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 1798

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

M* says VTINX lost 19.36% in 2008-2009. Weekly Drawdown =($9776/$12124)-1= -19.36% According to VG, VTINX gained 8.17% in '07, lost 10.93% in '08 and gained 14.28% in '09. Weekly peak to trough max drawdown (the amount you actually lost, not restricted to arbitrary time frames, like yearly) Daily m...
by Wild Willie
Sun Dec 28, 2014 10:18 am
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 1798

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

M* says VTINX lost 19.36% in 2008-2009. Weekly Drawdown =($9776/$12124)-1= -19.36% According to VG, VTINX gained 8.17% in '07, lost 10.93% in '08 and gained 14.28% in '09. Weekly peak to trough max drawdown (the amount you actually lost, not restricted to arbitrary time frames, like yearly) Daily m...
by Wild Willie
Sat Dec 27, 2014 9:51 am
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 1798

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

VA_Gent wrote:M* says VTINX lost 19.36% in 2008-2009.

Weekly Drawdown =($9776/$12124)-1= -19.36%


According to VG, VTINX gained 8.17% in '07, lost 10.93% in '08 and gained 14.28% in '09.
by Wild Willie
Sat Dec 27, 2014 9:01 am
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 1798

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

Charger, we are very similar in age and investment direction since I have been in VTINX myself (100%) for the past few years and I sleep well no matter what the stock market does. We may not make much, but we don't lose much either as the market gyrates and the track record of VTINX has been very go...
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: 492

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 Aug 10, 2014 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 51
Views: 5140

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
Sat Jun 28, 2014 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Safe draw down %?
Replies: 21
Views: 2147

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: 2147

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
Fri Apr 11, 2014 8:46 am
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 10206

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 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: 24800

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
Wed Feb 12, 2014 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Buyng Bonds? Instead of Money Market
Replies: 10
Views: 1450

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 Jan 08, 2014 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax for Flagship customers
Replies: 11
Views: 1262

Turbo Tax for Flagship customers

Does anyone know if VG intends to offer free TT to flagship customers this year?
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: 1981

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
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: 4812

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 6:43 am
Forum: Investing - Theory, News & General
Topic: My thoughts on the drop in bond prices after Bernanke talk
Replies: 43
Views: 4812

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
Tue May 14, 2013 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 7948

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
Thu Apr 11, 2013 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Solution to Bond Worries?
Replies: 21
Views: 3061

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 9:46 am
Forum: Investing - Help with Personal Investments
Topic: VTINX (Target Retirement) Allocations
Replies: 7
Views: 1041

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
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: 13824

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
Thu Feb 21, 2013 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: tax treatment of a BP settlement payout
Replies: 1
Views: 297

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 07, 2013 12:32 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds to add international bonds
Replies: 76
Views: 9978

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 12:27 pm
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 26135

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
Sun Jan 27, 2013 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank new checking account free $200
Replies: 44
Views: 5847

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 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank new checking account free $200
Replies: 44
Views: 5847

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
Fri Jan 25, 2013 2:55 pm
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7702

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 11:48 am
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7702

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
Mon Jan 21, 2013 2:01 pm
Forum: Personal Consumer Issues
Topic: Wireless TV headphones
Replies: 11
Views: 1496

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
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: 1143

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

Whew! Finally got something right :sharebeer
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: 1143

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
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: 1143

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
Tue Jan 01, 2013 4:17 pm
Forum: Investing - Theory, News & General
Topic: VG now withholds state taxes for ALL states?
Replies: 0
Views: 302

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
Sun Dec 30, 2012 4:51 pm
Forum: Investing - Theory, News & General
Topic: How to calculate return on a portfolio
Replies: 55
Views: 4245

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
Thu Dec 27, 2012 10:03 am
Forum: Investing - Help with Personal Investments
Topic: cd's from VG
Replies: 12
Views: 1861

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
Wed Dec 26, 2012 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: cd's from VG
Replies: 12
Views: 1861

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 11:01 am
Forum: Investing - Help with Personal Investments
Topic: self directed IRA to purchase raw land as a hedge
Replies: 11
Views: 2756

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
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: 2756

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
Sun Dec 09, 2012 6:38 pm
Forum: Investing - Theory, News & General
Topic: Single Vanguard "target" fund for widowed
Replies: 20
Views: 1882

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
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: 2756

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 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: self directed IRA to purchase raw land as a hedge
Replies: 11
Views: 2756

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
Wed Dec 05, 2012 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: self directed IRA invested in real estate
Replies: 2
Views: 304

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
Mon Nov 26, 2012 5:55 pm
Forum: Investing - Theory, News & General
Topic: Consuelo Mack interviews Jack Bogle
Replies: 9
Views: 1326

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
Thu Oct 25, 2012 9:26 am
Forum: Investing - Theory, News & General
Topic: Who invests in only 1 bond fund?
Replies: 63
Views: 6124

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
Fri Oct 19, 2012 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Absolute Return Portfolio
Replies: 19
Views: 1244

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 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Absolute Return Portfolio
Replies: 19
Views: 1244

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 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Absolute Return Portfolio
Replies: 19
Views: 1244

Re: Absolute Return Portfolio

JP, yes, but I only get a 22 second message and then it ends.
by Wild Willie
Thu Oct 18, 2012 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Absolute Return Portfolio
Replies: 19
Views: 1244

Re: Absolute Return Portfolio

thanks for the response, but I couldn't get the podcast to play.

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