Search found 99 matches

by fillol
Thu Jan 03, 2019 1:41 pm
Forum: Personal Investments
Topic: VGPMX: How much in gold?
Replies: 4
Views: 1614

VGPMX: How much in gold?

What percentage of Vanguard Global Capital Cycles Fund (VGPMX) is currently invested in gold or gold mining shares?

Fillol
by fillol
Tue Aug 07, 2018 1:12 pm
Forum: Personal Investments
Topic: Transferring UTMA Account to Beneficiary
Replies: 7
Views: 729

Re: Transferring UTMA Account to Beneficiary

I have contacted my Vanguard Rep. about the procedure for withdrawals from the account. Thanks SUEMARKP for letting me know that the age of majority for UTMA's in WA State is 21. I found other info that seems to confirm that so I will continue as custodian of the account.
Fillol
by fillol
Sat Aug 04, 2018 1:32 pm
Forum: Personal Investments
Topic: Transferring UTMA Account to Beneficiary
Replies: 7
Views: 729

Transferring UTMA Account to Beneficiary

I have a UTMA Account in my Vanguard account for my grandson who reached the age of majority of 18 (in Washington State) this past march. How do I go about making the transfer now?
by fillol
Tue Apr 25, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 445
Views: 70353

Re: Larry Swedroe says "Goodby."

You will be missed Larry. Enjoy your retirement. You can take with you the satisfaction that you have unselfishly helped so many people in something so important as how they handle their finances. Not many people can say that. Thank you.

Fillol
by fillol
Thu May 12, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 113
Views: 18909

Re: Cities good for living abroad?

Santiago Chile is a great place to live. I have to admit that I am biased since my wife is from there. We spend two or three months a each year down there and love every minute of it. It's by far the most developed and most stable country in Latin America. There are four well defined seasons of the ...
by fillol
Tue Dec 29, 2015 6:23 pm
Forum: Forum Issues and Administration
Topic: Recovering A Private Message on Forum
Replies: 5
Views: 1912

Re: Recovering A Private Message on Forum

As J295 suggested I went to the User Profile checked on my messages and there it was. Thanks.

Fillol
by fillol
Mon Dec 28, 2015 1:21 pm
Forum: Forum Issues and Administration
Topic: Recovering A Private Message on Forum
Replies: 5
Views: 1912

Recovering A Private Message on Forum

A few years ago a fellow Boglehead helped my find an estate planning lawyer in Scottsdale, AZ. The lawyer did an outstanding job for me and I've always wanted to thank the person who recommended him, but I cannot remember his name. Is there anyway I can find past private messages on the Bogleheads f...
by fillol
Fri Jun 19, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Stock bubble, bond bubble - I'm worried!
Replies: 16
Views: 3449

Re: Stock bubble, bond bubble - I'm worried!

Thanks for the quick and useful replies - just what I needed. To livesoft I admit that in previous crashes I PANICKED and sold out at the bottom until 2000 when I finally gave up trying to beat the markets and became a Boglehead. I stayed the course in 08-09 and it paid off. I'll do the same now. I ...
by fillol
Fri Jun 19, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Stock bubble, bond bubble - I'm worried!
Replies: 16
Views: 3449

Stock bubble, bond bubble - I'm worried!

Every day I hear nothing but chatter about a bond bubble or a stock bubble. Some commentators say it will be worse than 2008-9. I have a 40/60 S and D allocation. I know I supposed to hang on for the long run ( I'm 75.), but I'm not sure I can take another crash in the markets. What can I do? Fillol
by fillol
Mon Feb 09, 2015 2:29 pm
Forum: Non-US Investing
Topic: Vanguard Australia
Replies: 1
Views: 357

Vanguard Australia

Does anybody know anything about Vanguard Australia? My Aussie son-in-law wants to start and investment program and I've convinced him that Vanguard is the way to go. Up until now he's only invested in real estate and low interest bank savings accounts. The recent drop in Aussie interest rates have ...
by fillol
Sun Jun 22, 2014 4:41 pm
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 5153

Re: American Automobile Assn (AAA)

I've been a member of AAA for years and I've used them not only for things like breakdowns, dead batteries,etc., but for buying cars without hassle, all with prompt and excellent service. Even more, I was in Spain last year and had breakdown of a rental car and called the AAA sister organization the...
by fillol
Wed Apr 09, 2014 3:53 pm
Forum: Personal Investments
Topic: Should I Switch Tips Fund To Short Term Tips?
Replies: 4
Views: 643

Should I Switch Tips Fund To Short Term Tips?

This question has been asked before on this forum, but I'll try again. I have half my IRA in the original Vanguard TIPS fund which has a duration of around 7.5 years. As I am worried about a possible rise in interest rates would it be prudent to switch to Vanguard's shorter term TIPS fund which has ...
by fillol
Wed Mar 19, 2014 4:34 pm
Forum: Personal Investments
Topic: Changing allocation of grand daughter's USGA/USTA account.
Replies: 1
Views: 281

Changing allocation of grand daughter's USGA/USTA account.

A few years ago I invested 10k in a USGA/USTA account for my grand daughter who is now 16. I took a very aggressive approach by putting half into Total Stock Market and half into Total International Stock. Now that she is only two years away from taking control of the account I would like to take a ...
by fillol
Mon Jun 17, 2013 2:23 pm
Forum: Personal Investments
Topic: Is 3-Fund now 4-Fund with new Int. Bond Fund?
Replies: 1
Views: 447

Is 3-Fund now 4-Fund with new Int. Bond Fund?

Any ideas about how the new Total International Bond Fund will affect the 3-Fund portfolio recommended on this forum?

Fillol
by fillol
Mon Jun 17, 2013 2:23 pm
Forum: Personal Investments
Topic: Is 3-Fund now 4-Fund with new Int. Bond Fund?
Replies: 8
Views: 1733

Is 3-Fund now 4-Fund with new Int. Bond Fund?

Any ideas about how the new Total International Bond Fund will affect the 3-Fund portfolio recommended on this forum?

Fillol
by fillol
Wed Mar 27, 2013 8:05 pm
Forum: Personal Investments
Topic: 3 Fund vs. Target Retirement Income Fund
Replies: 6
Views: 2160

3 Fund vs. Target Retirement Income Fund

For the past several years I have been a slicer and dicer with approximately 10 funds. I understand the advantages of having the 3 fund model as outlined by Taylor and others. However, one still has to go to the trouble of balancing the portfolio periodically. I'm not sure if my wife would want to d...
by fillol
Wed Mar 06, 2013 2:10 pm
Forum: Personal Investments
Topic: Need Suggestions for Distribution in Living Trust
Replies: 4
Views: 592

Need Suggestions for Distribution in Living Trust

My wife and I are meeting a lawyer here in AZ next week for him to prepare new living trusts (revocable) We will use Vanguard Trust Svcs. as the executor, and our three grown children will be equal beneficiaries. We fear the kids will waste the assets if they receive a lump sum. Can we be assured th...
by fillol
Mon Jul 16, 2012 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum interest rate to charge family member
Replies: 1
Views: 539

Minimum interest rate to charge family member

I made a loan to my daughter to purchase a condo. I considered it a no-interest loan, but I understand that the IRS will hit me with an imputed interest rate. Could someone tell me what rate I should charge for the loan to afford the IRS doing the calculation? The loan terms begin on July 1, 2012 an...
by fillol
Sun Apr 22, 2012 6:02 am
Forum: Personal Investments
Topic: Buying a Condo for Investment Purposes
Replies: 17
Views: 1974

Re: Buying a Condo for Investment Purposes

Thanks to all for the excellent advice. Having been reminded of all the negatives (I don't need all the headaches at this stage.) of being a landlord, I'll probably forgot the condo purchase and go the REIT route if I need to diversify into any further real estate holdings.
by fillol
Fri Apr 20, 2012 5:52 pm
Forum: Personal Investments
Topic: Buying a Condo for Investment Purposes
Replies: 17
Views: 1974

Buying a Condo for Investment Purposes

Recently I purchased a condo in a high rise in Scottsdale, AZ as my prime residence. I am considering buying another condo in my complex for investment purposes. It seems that the real estate prices here are starting to creep up. All my other investments are in Vanguard index funds and I use a slice...
by fillol
Tue Feb 21, 2012 3:57 am
Forum: Non-US Chapters
Topic: How do I contact Bogleheads' Group in Paris?
Replies: 1
Views: 2653

How do I contact Bogleheads' Group in Paris?

I have a good friend who lives in France. He wants to attend a meeting of the Boglehead Chapter in Paris. How can he get in touch with the group?

Fillol
by fillol
Wed Jan 25, 2012 3:09 am
Forum: Personal Finance (Not Investing)
Topic: When Can I Expect MY Vanguard 1099 Forms Online?
Replies: 3
Views: 701

When Can I Expect MY Vanguard 1099 Forms Online?

I'm currently visiting Spain for several months. I would like to file my taxes from here. Will I be able to get my 1099 forms from Vanguard on line? If so, when?
Thanks.
Fillol
by fillol
Wed Nov 02, 2011 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help Writing a Simple Contract
Replies: 7
Views: 765

Re: Need Help Writing a Simple Contract

Thanks for the advice. It sounds reasonable.


To norooke you're right about the IRA - I didn't touch it. I made a typo in the original post. I wrote IRA when I meant IRS.

Fillol
by fillol
Wed Nov 02, 2011 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help Writing a Simple Contract
Replies: 7
Views: 765

Need Help Writing a Simple Contract

I am lending my daughter the money to buy a small condo. For estate purposes, I would like to write a simple contract (note) stating the terms - repayment schedule, interest rate as required by the IRA, etc. Without having to go to the expense and trouble of contacting an attorney, how can I do this...
by fillol
Thu Jan 06, 2011 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions For New Vanguard Funds!
Replies: 38
Views: 5463

Suggestions For New Vanguard Funds!

Why can't Vanguard introduce the following funds which would simplify investing for everybody including those wives whose eyes glaze over when the husbands starts talking Boglehead investing. 1. Taylor's simple three fund portfolio. 2. The same portfolio but add small cap and perhaps REITS. 3. A Mer...
by fillol
Fri Dec 31, 2010 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Is Skype Secure Enough to Call Vanguard for Rebalancing?
Replies: 4
Views: 1408

Is Skype Secure Enough to Call Vanguard for Rebalancing?

I am in Spain for a three month visit. I need to rebalance my Vanguard Portfolio before end of trading today Dec. 31. I usually use Skype to make calls to the U.S. from here. Is Skype secure enough to discuss financial information with Vanguard?

Fillol
by fillol
Thu Oct 14, 2010 7:59 pm
Forum: Personal Investments
Topic: Taylor
Replies: 138
Views: 23327

Best Wishes Taylor

You've been a great help to me with so many of your suggestions. I greatly appreciate your timely replies to financial inquiries that I have posted on Diehards. In most cases I have followed your advice and I have done very well by doing so. I wish you all the best in dealing with this latest challe...
by fillol
Sun Oct 03, 2010 1:08 pm
Forum: Investing - Theory, News & General
Topic: All Vanguard or ... Other Fund Families Too?
Replies: 20
Views: 3723

Keep it simple.

Simplicity dictates that you use only one fund family. With a few exceptions ( international small cap value - international bond fund) Vanguard has a fund that would fit practically any asset class.

Fillol
by fillol
Thu Sep 30, 2010 7:15 pm
Forum: Personal Investments
Topic: Staying comfortable with just 4 VG funds in portfolio
Replies: 27
Views: 5830

Merriman's Ultimate Buy and Hold Strategy is Simple Enough!

What's so complex about Paul Merriman's Ultimate Buy and Hold Strategy? I've used a modified version of it for a while now with a 40/60 stock/bond allocation using mostly Vanguard index funds. (Bonds are split 50/50 between S-T Bond Fund and the Vanguard TIPs Fund) TIPs and REITS are held in my IRA....
by fillol
Thu Aug 12, 2010 6:44 pm
Forum: Personal Consumer Issues
Topic: Are any Bogleheads Returned Peace Corps Volunteers?
Replies: 7
Views: 1481

Returned PCV

Yes. Dominican Republic 1962-64. A wonderful experience which spurred lifelong interest in Latin America. Later lived in Chile for several years - married fantastic Chilean girl. We are currently on a three month visit to Chile where we have been having one of the coldest Winters on record. The Chil...
by fillol
Wed Jun 16, 2010 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: How Do We Make A Short Term Loan To Son Sans Gift Tax?
Replies: 37
Views: 4015

How Do We Make A Short Term Loan To Son Sans Gift Tax?

Let´s assume that the 26k will be a gift and we send a check ( or checks ) for the amount. Since my wife and I have a joint checking account should we make out two checks, one signed by her and one signed by myself. The Duke has already suggested that if we wire the funds we use two wire forms, one ...
by fillol
Wed Jun 16, 2010 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: How Do We Make A Short Term Loan To Son Sans Gift Tax?
Replies: 37
Views: 4015

How Do Wife And I WIRE 13K EACh If WE HAVE A JOINT ACCOUNT?

Thanks for the quick replies. My wife and I could split the loan - which would be for one year or less - but how do we do this if we both use the same joint checking account. Also we plan to wire the funds from our bank in the U.S. to his bank in Europe. Do we send it all in one wire or do we send t...
by fillol
Wed Jun 16, 2010 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: How Do We Make A Short Term Loan To Son Sans Gift Tax?
Replies: 37
Views: 4015

How Do We Make A Short Term Loan To Son Sans Gift Tax?

My wife and I want to make a short term loan of between 20-30 K to our son. We plan to transfer the funds out of our joint account. Will he have to pay interest on the loan? Is there any danger of being hit for a gift tax?
Do we have to file a form with the IRS? Any help would be apprecitated.
by fillol
Sun May 16, 2010 9:01 pm
Forum: Investing - Theory, News & General
Topic: Tracking VGPMX ( Prec. Metals & Mining) vs. VGENX (Energ
Replies: 2
Views: 1430

Tracking VGPMX ( Prec. Metals & Mining) vs. VGENX (Energ

How closely does VGPMX track VGENX? I've held the Precious Metals and Mining Fund for a long, long time. I know it's not a pure gold fund, but it has a good portion of assets in gold mining stocks. Now that everybody and his brother is touting gold, I wonder if I wouldn't be better off in the future...
by fillol
Thu May 13, 2010 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Need AZ Lawyer to Update Estate Plan.
Replies: 2
Views: 910

Need AZ Lawyer to Update Estate Plan.

I am moving my residence from Washington State to Arizona. I need to update my estate plan -will, revocable trusts, etc - to conform to AZ laws. How do I find a good and reaonalby price estate planning lawyer in Scottsdale/Phoenix?
Any suggestions would be appreciated.

Fillol
by fillol
Wed Apr 28, 2010 6:44 pm
Forum: Investing - Theory, News & General
Topic: Bogle Bobblehead Auction to Support Forum
Replies: 41
Views: 7653

NO Bid But Donated.

I did not enter the auction, but thanks to Taylor and others I was reminded to send in a donation to this forum which has been of great help to me.

Fillol
by fillol
Sat Apr 24, 2010 5:28 pm
Forum: Investing - Theory, News & General
Topic: 70 Year Asks Why 30/70 if Money Will Go To Kids.
Replies: 14
Views: 3407

70 Year Asks Why 30/70 if Money Will Go To Kids.

"I am close to 70, so according to Bogle I should have only a 30% stock exposure. ( Actually I'm 45/55) However, following the lead of Taylor and others, I used a portion of my assets to purchase inflation proof annuities which along with SS payments gives my wife and I suffieient to live fairl...
by fillol
Thu Apr 22, 2010 2:51 pm
Forum: Personal Investments
Topic: How Will a Buy and Hold Portfolio Fare During Deflation?
Replies: 3
Views: 1422

How Will a Buy and Hold Portfolio Fare During Deflation?

I have a 40/60 slice and dice Paul Merriman type Buy and Hold portfolio using Vanguard index funds. The 60% in bonds is split between TIPS fund and the Short Term Bond fund. Could anybody comment on how much protection I would have if we have long term deflation.

Fillol
by fillol
Sat Apr 17, 2010 7:04 pm
Forum: Personal Investments
Topic: Can Canadians Buy Vanguard Funds? Or DFA Funds?
Replies: 4
Views: 1231

Can Canadians Buy Vanguard Funds? Or DFA Funds?

A Canadian friend is interested in the Bogleheads method of investing. I suggested that he use Vanguard if he decides to go the DIY route. I also suggested that if prefers using an advisor that he should contact Rick Ferri. ( who uses DFA funds.) My friend says that a Canadian cannot purchase funds...
by fillol
Thu Mar 18, 2010 1:10 pm
Forum: Personal Investments
Topic: Why Did Merriman Get Rid Of Tax Managed Funds in Model Port.
Replies: 8
Views: 2481

How Do I Rebalance Tax Managed Funds

Thanks Taylor and Livesoft. I do have gains in all three Tax Managed Funds. I rebalance my portfolio on December 31st every year. Should I just pay the 1% if I need to sell some of the Tax Managed Funds in order to rebalance the portfolio? I assume the rebalancing problem is the reason Merriman dump...
by fillol
Wed Mar 17, 2010 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: How Could Vanguard REIT Fund Be Up So Much?
Replies: 24
Views: 4153

How Could Vanguard REIT Fund Be Up So Much?

The Vanguard REIT FUND (VGSIX) which comprises approximately 10% of my stock portfolio is up 97.82% over the past 12 months and 11.46% year to date. How in the world is that possible considering that real estate prices have been stagnant during that period and even falling in some markets? These ret...
by fillol
Wed Mar 17, 2010 7:01 pm
Forum: Personal Investments
Topic: Why Did Merriman Get Rid Of Tax Managed Funds in Model Port.
Replies: 8
Views: 2481

Why Did Merriman Get Rid Of Tax Managed Funds in Model Port.

I have had three of the Vanguard Tax Managed funds in my taxable portfolio based on Paul Merriman's recommened Vanguard Buy and Hold Model Portfolio. Does anybody know why he dropped the tax managed funds and replaced them with regular funds?

Fillol
by fillol
Sat Dec 19, 2009 7:04 pm
Forum: Investing - Theory, News & General
Topic: How much of a Boglehead are you?
Replies: 51
Views: 7174

What are they doing here?

It's not a large sample, but I was surprised to see that 17% of replies were in the lowest bracket. I guess they are lurkers who don't act on the Boglehead advice. ( I was one of those for years.)

Fillol
by fillol
Tue Nov 17, 2009 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Buy SPIA or Pay Back SS and Recieve Higher Monthly Payout?
Replies: 12
Views: 2267

Earlyout and JW Nearly Retired - Based on your comments I will recommend that my friend will go back and re-evaluate his cost comparison considering things like taxes paid, etc. JW, I agree. It seems logical that repaying the SS would be the better deal. There must be some kind of 'free lunch" ...
by fillol
Mon Nov 16, 2009 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buy SPIA or Pay Back SS and Recieve Higher Monthly Payout?
Replies: 12
Views: 2267

Earlyout: Thanks for the reply. I assure you it isn't a trick question. The tax implications that you mention are an important factor. Also avoiding the stress of a long bureaucratic procedure with SS would be another important factor especially if the difference is only a few dollars a month. I bel...
by fillol
Mon Nov 16, 2009 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buy SPIA or Pay Back SS and Recieve Higher Monthly Payout?
Replies: 12
Views: 2267

Buy SPIA or Pay Back SS and Recieve Higher Monthly Payout?

A good friend who is 68 and who started receiving Social Security payments at 64 is looking for more guaranteed monthly income. He can either buy an inflation indexed SPIA ( to start either now or when he's 70) or he can pay back what he has received from SS and start again ( either now or when he ...
by fillol
Wed Oct 21, 2009 7:12 pm
Forum: Personal Investments
Topic: Why doesn't VG have an International Bond Fund?
Replies: 31
Views: 5997

Mel: Thanks for the quick reply. Did Dr. Bernstein give his reason for not having international bonds?

Fillol
by fillol
Wed Oct 21, 2009 6:42 pm
Forum: Personal Investments
Topic: Why doesn't VG have an International Bond Fund?
Replies: 31
Views: 5997

Why doesn't VG have an International Bond Fund?

I have a 50/50 domestic/international stock portfolio, but a 40/60 stock/bond allocation means I have only around 20% in international bondssince all the bonds ( half VG Short Term Bond Fund and half TIPS Fuind) are domestic. I would like more international exposure in bonds, but I don't want to hav...
by fillol
Mon Oct 05, 2009 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Live Overseas - Need U.S. Address to Buy Annuity, Help!
Replies: 4
Views: 1308

Live Overseas - Need U.S. Address to Buy Annuity, Help!

An American friend lives permanently in Europe. He would like to buy a SPIA but does not have a U.S. address. He has a brother in Tennessee, but is not sure his brother would allow him to use his address. What are some arguments he can use to convince his brother. Are there any other suggestions as ...
by fillol
Sun Sep 20, 2009 8:23 pm
Forum: Investing - Theory, News & General
Topic: Use qualified or non-qualified to pay for annuity?
Replies: 18
Views: 3121

Thanks!

Taylor:

Thanks for the excellent advice which confirms my idea of going with the non-qualified funds for the annuity.

Fillol