Search found 117 matches

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: 1593

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: 1717

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: 1717

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: 65
Views: 6460

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: 58
Views: 3710

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: 1088

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: 1088

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: 12286

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: 5228

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: 5228

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. :happy Couldn't agree more Toons. I recently had a teleconfere...
by Wild Willie
Sat Mar 12, 2016 10:05 am
Forum: Investing - Theory, News & General
Topic: Target Date Fund Woes
Replies: 34
Views: 3291

Re: Target Date Fund Woes

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: 2025

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: 2025

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: 15
Views: 1892

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: 15
Views: 1892

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: 1408

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: 24439

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: 7653

Re: How did your retirement Portfolio do in 2015?

Up .375% on a 30/70 mix (VTINX for 95% of portfolio)
by Wild Willie
Sun Jan 03, 2016 4:08 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 657
Views: 26513

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2016 (just like the year)
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: 1086
Views: 184896

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: 1086
Views: 184896

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: 2241

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: 2888

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: 4724

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: 3722

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: 2185

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: 2505

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: 6178

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: 8448

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: 2440

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: 2440

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: 2440

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: 2440

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: 574

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: 5955

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: 2378

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: 2378

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: 10946

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: 154
Views: 33699

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: 1588

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: 1386

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: 2193

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: 5225

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: 5225

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: 8582

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: 3210

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: 1174

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: 15504

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: 376

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: 10947

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...

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