Search found 134 matches

by Wild Willie
Mon Oct 23, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18141

Re: Does anyone here with net worths north of $1 mil use financial advisors?

You can't compare returns without also comparing risk, and you can't meaningfully compare different portfolio performance numbers over short terms such as annual results even for a period of a few years. It may be a helpful observation that advised investors are comfortable being more aggressive bu...
by Wild Willie
Mon Oct 23, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18141

Re: Does anyone here with net worths north of $1 mil use financial advisors?

As with most of the respondents to this thread, I/we do not use a FA and our "net worth is north of $1M". In an earlier post in a different thread, I explained how we and about 10 other friends with similar backgrounds (and probably assets but not sure because we don't reveal our "pot of gold") com...
by Wild Willie
Mon Oct 23, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18141

Re: Does anyone here with net worths north of $1 mil use financial advisors?

As with most of the respondents to this thread, I/we do not use a FA and our "net worth is north of $1M". In an earlier post in a different thread, I explained how we and about 10 other friends with similar backgrounds (and probably assets but not sure because we don't reveal our "pot of gold") com...
by Wild Willie
Sun Oct 22, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 289606

Re: What are you up YTD? [Year To Date]

sschullo wrote:
Wed Oct 11, 2017 7:39 am
6.6% YTD
Not bad for a boring 32%/68% allocation.
VG International is up 22%!
Dat be me. And I sleep very well at night.
by Wild Willie
Sun Oct 22, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18141

Re: Does anyone here with net worths north of $1 mil use financial advisors?

As with most of the respondents to this thread, I/we do not use a FA and our "net worth is north of $1M". In an earlier post in a different thread, I explained how we and about 10 other friends with similar backgrounds (and probably assets but not sure because we don't reveal our "pot of gold") comp...
by Wild Willie
Wed Sep 27, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 26
Views: 5629

Re: Wellesley and Wellington instead of VTINX?

Let me explain why I am even considering making a slight move into more actively managed funds vs indexed funds. (I would never agree to hiring a FA unless it's a fallback position for my wife once I am drooling and wetting my pants and can no longer make rational financial decisions.) A group of f...
by Wild Willie
Tue Sep 26, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 26
Views: 5629

Re: Wellesley and Wellington instead of VTINX?

Let me explain why I am even considering making a slight move into more actively managed funds vs indexed funds. (I would never agree to hiring a FA unless it's a fallback position for my wife once I am drooling and wetting my pants and can no longer make rational financial decisions.) A group of f...
by Wild Willie
Tue Sep 26, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: proxy vote
Replies: 6
Views: 1019

Re: proxy vote

Wakefield1 wrote:
Tue Sep 26, 2017 10:14 am
Look at the e-mails they sent you after you voted to see if the ticket number you voted is different the second time.
That's the thing, I don't think I ever got an email. I'm guessing I forgot to hit submit (or whatever it asked for) and my vote didn't register the first time.
by Wild Willie
Tue Sep 26, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: proxy vote
Replies: 6
Views: 1019

Re: proxy vote

Okay, I went back to the voting site and apparently, I must have messed up the first time cuz I voted again (or I think it was again) and it shows that I voted. Guess the message will now disappear.
by Wild Willie
Tue Sep 26, 2017 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 26
Views: 5629

Re: Wellesley and Wellington instead of VTINX?

As usual, whenever I post here, I get so much good and informative advice that it makes my head spin. Thanks to all of you for the information and I will "stay the course" for now because I am scheduled for a 2/18 conference call with a CFP from VG which Flagship investors are entitled to annually ...
by Wild Willie
Tue Sep 26, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: proxy vote
Replies: 6
Views: 1019

proxy vote

VG has been sending me information regarding the need for me to vote my proxies to the extent that it is now getting aggravating. I did a quick search but didn't find a thread on this so decided I'd start one. After getting a popup every time I logged into my account, I finally voted and thought tha...
by Wild Willie
Fri Aug 25, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 5659

Re: USAA opinions. Worth it?

I just applied for the Unlimited Visa card and opened a checking account to make the deposits from my VG checking account. Seems like a no brainer since I can use the checking account to pay the Visa bill. Just a little extra to keep track of to make sure both accounts don't run out of "fuel" to kee...
by Wild Willie
Fri Jun 16, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 5659

Re: USAA opinions. Worth it?

USAA insurance saved my father a lot; however, my quote was higher than what I'm paying now. You have to get a quote. They have multiple insurance companies under the USAA umbrella, rates probably depend on which one they assign you to. I have read that not every customer qualifies for a "subscribe...
by Wild Willie
Tue Jun 13, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard new policies
Replies: 8
Views: 2282

Re: Vanguard new policies

Oh, and another thing. While the rep today was very helpful and helped me straighten out this mess, I asked that my complaint be escalated because I wanted management to know how dissatisfied I was and a commitment was made that a "manager" would call me back. Well, that didn't happen.
by Wild Willie
Tue Jun 13, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard new policies
Replies: 8
Views: 2282

Vanguard new policies

Soooooooo, been trying for three days to get some $$ out of my Rollover IRA and put it into my joint account outside of the IRA. Well, it used to be a simple procedure, i.e. click on the IRA fund I wanted to move it from (which is a money market account) and send it to the joint account (outside the...
by Wild Willie
Mon Dec 12, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: European Riverboat Tours
Replies: 22
Views: 3436

Re: European Riverboat Tours

Wife and I did AMA two years ago, Paris to Normandy and back and found it excellent. We enjoyed the smaller crowds compared to the large cruise ships. Very personalized service and although the cabins were small, we didn't spend much time in them anyway.
by Wild Willie
Tue Nov 29, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on Chase Sapphire card
Replies: 15
Views: 2216

Re: Fraudulent charges on Chase Sapphire card

I've had Chase cards used fraudulently even before I received them in the mail and so have a few of my colleagues. Chase has somebody stealing/selling information working inside them. They know this, but would they admit it? I've had the same issue with my Chase Freedom card on numerous occasions. ...
by Wild Willie
Fri Nov 18, 2016 7:19 am
Forum: Personal Consumer Issues
Topic: best upright vacuum
Replies: 9
Views: 2202

Re: best upright vacuum

Thanks for the responses. Will check out the previous threads. I did a search before I posted, but I guess I used the wrong keywords.
by Wild Willie
Thu Nov 17, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: best upright vacuum
Replies: 9
Views: 2202

best upright vacuum

Saw the thread on central vac systems and it gave me an idea to ask the group about upright vacuums. My 30 year old Electrolux vacuum is getting a "little long in the tooth" and we will probably need to replace it soon. I had a Kirby demo years ago and while it appeared to be a good vac, m...
by Wild Willie
Thu Nov 10, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: which pickup truck
Replies: 67
Views: 8554

Re: which pickup truck

F150. I just purchased one. Spent months researching. GMC/Chevy is good too but the ford just seemed better in every way to me. Ram is well behind. I like Toyotas in general but the Tundra is clearly showing its age and simply cannot compete now. Same here. At my age, this could be my last truck. I...
by Wild Willie
Wed Oct 19, 2016 6:37 am
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 65
Views: 5977

Re: Least expensive iPhone

Disregard the iPhone 6 unless you need the 4.7" screen. The iPhone SE is cheaper and has the speed of the 6s (and the screen size and body of the 5/5s). It is the cheapest new iPhone at this time. I just bought an SE for $399 from ATT. Great phone and I was able to use my same life proof case t...
by Wild Willie
Wed Aug 10, 2016 4:40 pm
Forum: Investing - Theory, News & General
Topic: Take more $$ from IRA and pay taxes now?
Replies: 8
Views: 1306

Re: Take more $$ from IRA and pay taxes now?

Cruncher, very good information and I will peruse it shortly. Regarding your comment about us outliving our estate, you are correct, I meant we have a 90% chance of NOT outliving our estate. Alan S. and ArtsDoctor, so if I read your posts correctly, while our kids can stretch the RMD over their life...
by Wild Willie
Wed Aug 10, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: Take more $$ from IRA and pay taxes now?
Replies: 8
Views: 1306

Take more $$ from IRA and pay taxes now?

My wife and I are in our late 60's and are thinking our plan to "hoard" as much $$ as possible in our IRA may not be the right decision. We have a 7 figure balance and according to every Monte Carlo model I have done, we have an over 90% chance of outliving our estate. We are considering t...
by Wild Willie
Sun Jun 26, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 14320

Re: What did you learn from the post-Brexit bloodbath?

Angelus359 wrote:I learned that I still like wellington



X2, likewise with Wellesley
by Wild Willie
Sun Mar 20, 2016 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesly Income - Single Best Investment for not losing money in massive downturns, with upside? Better alternatives?
Replies: 39
Views: 5674

Re: Wellesly Income - Single Best Investment for not losing money in massive downturns, with upside? Better alternative

Or one could choose to make their own with the 500 index fund, extended market stock index fund and the total international stock index fund at about 40% of the folio. Bonds could be high yield bond, intermediate term corporate bond and short term corporate bond along with the international bond in...
by Wild Willie
Sat Mar 19, 2016 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesly Income - Single Best Investment for not losing money in massive downturns, with upside? Better alternatives?
Replies: 39
Views: 5674

Re: Wellesly Income - Single Best Investment for not losing money in massive downturns, with upside? Better alternative

Impossible to know what will "perform better"in the future. You could do better You could do worse Than Wellesley. Seems to be a perennial favorite among the retirement crowd(including me) I say purchase it. Set It. Forget It. Couldn't agree more Toons. I recently had a teleconference wit...
by Wild Willie
Sat Mar 12, 2016 10:05 am
Forum: Investing - Theory, News & General
Topic: Target Date Fund Woes
Replies: 34
Views: 3845

Re: Target Date Fund Woes

BahamaMan wrote:
johnwasik wrote:Bogleheads:

I am looking for investors who've been in target date funds and find them lacking. I am writing an article for a national newspaper. Thanks, Johnwasik@gmail.com


I find the Target Funds Great ! ..... I am 100% invested in the Vanguard Target Retirement Income Fund ! -- :happy



Ditto! X2
by Wild Willie
Fri Mar 04, 2016 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 22
Views: 2285

Re: Moving from Edward Jones to Vanguard

I have a friend who uses EJ and he, too, was told this exact same thing by his FA. I was incredulous then and still am. Figured it was some kind of misunderstanding and I suspect GWRVMD has it right. So this could be a myth that EJ is promoting company-wide -- that the proposed fiduciary rule requi...
by Wild Willie
Thu Mar 03, 2016 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 22
Views: 2285

Re: Moving from Edward Jones to Vanguard

I have a friend who uses EJ and he, too, was told this exact same thing by his FA. I was incredulous then and still am. Figured it was some kind of misunderstanding and I suspect GWRVMD has it right.
by Wild Willie
Thu Feb 04, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 26
Views: 5629

Re: Wellesley and Wellington instead of VTINX?

As usual, whenever I post here, I get so much good and informative advice that it makes my head spin. Thanks to all of you for the information and I will "stay the course" for now because I am scheduled for a 2/18 conference call with a CFP from VG which Flagship investors are entitled to ...
by Wild Willie
Thu Feb 04, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 26
Views: 5629

Wellesley and Wellington instead of VTINX?

As soon as my portfolio recovered from the 2008 debacle, I moved 100% of my portfolio (which is all tax deferred) from the 9 or 10 different funds I had at that time to a "set it and forget it" fund, i.e. the Target Retirement Income fund (VTINX) both for its low volatility and to allow me...
by Wild Willie
Sat Jan 09, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: 2000-2005 Retirees please share your wisdom
Replies: 8
Views: 1513

Re: 2000-2005 Retirees please share your wisdom

I retired in 2005 and like many who have already posted, I have been able to maintain my style of living as it was when I was gainfully employed. I also spent down all my taxable accounts first and have everything in tax deferred so anytime I need $$, it is a taxable event. While I have some Roths, ...
by Wild Willie
Thu Jan 07, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 196
Views: 27562

Re: Just watched "The Big Short". Clueless the investment banks

It's Hollywood insight. The individual mortgages were not AAA. Repackaging large blocks of sub-prime mortgages into tranches create pieces that were rated AAA. Also, it not investment bankers who do the rating. It's rating companies that are paid to rate. That's where the crime was committed. Final...
by Wild Willie
Sun Jan 03, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 8615

Re: How did your retirement Portfolio do in 2015?

Up .375% on a 30/70 mix (VTINX for 95% of portfolio)
by Wild Willie
Sat Jan 02, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 289606

Re: What are you up YTD? [Year To Date]

As withdrawals are often taken throughout the year, this calculation could be improved by attributing half the withdrawals at the beginning and the other half at the end of the year, as suggested by William Bernstein in his awesome The Four Pillars of Investing classic (Taylor's gems). Here's the im...
by Wild Willie
Sat Jan 02, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 289606

Re: What are you up YTD? [Year To Date]

Up .375% on an IRA portfolio with 95% invested in Target Retirement Income fund (VTINX). On a related note, we have a group of 10 retired friends who all worked for and retired from the same company and annually, we compare results by computing our ROR using the following formula: We take our end of...
by Wild Willie
Fri Dec 04, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 2681

Re: Ford Edge or Nissan Murano or Something Else

Wife and I bought a 2011 Murano SL new. Not exactly disappointed with the car, but also not very happy. in fact, we're gonna trade it in after the 1st of the year on either a Toyota Highlander or a Honda Pilot. While it only has about 30K miles on it, it is starting to rattle a bit and we've had pro...
by Wild Willie
Fri Dec 04, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Boglehead Nightmare/Recovering Underaccumulator/Has this happened to you?
Replies: 15
Views: 3104

Re: Boglehead Nightmare/Recovering Underaccumulator/Has this happened to you?

Relax TNL, it's only a dream. I once dreamt that I was President of the United States. Now that''s scary. (not for me, for the rest of the country) :happy
by Wild Willie
Wed Nov 18, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Yeti cooler - Worth the money?
Replies: 29
Views: 5540

Re: Yeti cooler - Worth the money?

Saw this awhile back. Very informative and I think you'll be surprised which one "wins".
https://www.youtube.com/watch?v=6-TE4RnqT0U
by Wild Willie
Tue Oct 27, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Typical Retirement Day, 5 years later?
Replies: 20
Views: 3925

Re: Typical Retirement Day, 5 years latter?

Retired at 58 and it has been everything I thought it might be, but you can't just sit in a rocking chair. You need either a hobby or maybe some volunteer work. I fish and hunt so that takes up some of my leisure time. I like to read and play with my grandchildren, meet other retirees for lunch some...
by Wild Willie
Sun May 24, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: Viking river Cruise - Budapest to Nuremberg
Replies: 11
Views: 2750

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: 2705

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: 6786

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: 9011

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: 3168

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: 3168

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: 3168

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: 3168

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...