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Re: Cell phone usage while visiting Canada

Live in the US Sprint is current carrier I will be traveling to Canada a lot over the next six months Need options for cell service while in Canada 1. Prefer to use the same number 2. Call and text from Canada to US 3. Call, texts and data within Canada 4. Good service required 5. Reasonable overal...
by Mel Lindauer
Thu Nov 27, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone usage while visiting Canada
Replies: 3
Views: 200

Re: Thanksgiving with Jack Bogle: A Trip Down Memory Lane

Thanks Great2bOutdoors and Fallible. Happy Thanksgiving to you both.
by Mel Lindauer
Thu Nov 27, 2014 11:37 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Thanksgiving with Jack Bogle: A Trip Down Memory Lane
Replies: 4
Views: 583

Re: Best 529 Plan

Happy Thanksgiving! Any advice on what is the best State 529 plan? I live in California, but am willing to choose another state if it is a better deal with no out of state penalties. I checked out Utah's plan, which I heard was very good. It has Vanguard, which California doesn't, but its listed Ma...
by Mel Lindauer
Thu Nov 27, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Best 529 Plan
Replies: 9
Views: 460

Thanksgiving with Jack Bogle: A Trip Down Memory Lane

Here's a column I did for Forbes at back in 2010 at Thanksgiving. I think it might be a good read for those who don't know the history. http://www.forbes.com/2010/11/18/thanksgiving-with-john-bogle-vanguard-personal-finance-bogleheads-view-lindauer.html Happy Thanksgiving to all my Bogleheads friends.
by Mel Lindauer
Wed Nov 26, 2014 9:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thanksgiving with Jack Bogle: A Trip Down Memory Lane
Replies: 4
Views: 583

Re: Trying to remember what book this is from.

I remember reading this somewhere but I can't remember where. It was likely phrased very differently but it it went something like this; In investing there are only three thing you can control well; 1) How much you save or spend each year. 2) Keeping investing costs low. 3) Your asset allocation. T...
by Mel Lindauer
Wed Nov 26, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to remember what book this is from.
Replies: 3
Views: 619

Reporter doing story on Roth IRAs

Hi Everyone: A known reporter for a national newspaper is working on a comprehensive story about Roth IRAs. Roth accounts offer great tax advantages and are catching on with investors, but there are hurdles to entry. This reporter would like to talk to (and quote) investors about their Roth experien...
by Mel Lindauer
Wed Nov 26, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Roth IRAs
Replies: 1
Views: 468

Re: Vanguard Ultra-Short-Term Bond Fund coming in early 2015

Personally, I think it could be a good addition to the Vanguard bond line-up for those investors who want a bit more return than a money market and who are willing to accept the possibility of a slight bit more NAV variation in exchange for that higher return. I do know that I wouldn't care to use a...
by Mel Lindauer
Tue Nov 25, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund coming in early 2015.
Replies: 39
Views: 4049

Re: Medal of Freedom: Still not Jack Bogle?

Here are this year's Medal of Freedom recipients: http://www.whitehouse.gov/the-press-office/2014/11/10/president-obama-names-recipients-presidential-medal-freedom Still not Jack Bogle? I have spent quite a bit of time trying to discover the nomination process, to no avail. I know that others have ...
by Mel Lindauer
Mon Nov 24, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Medal of Freedom: Still not Jack Bogle?
Replies: 3
Views: 358

Re: The Bogleheads Have Taken Over

And, FWIW, our community book, The Bogleheads' Guide to Retirement Planning , is currently the #3 book in the Retirement Planning category. For a while, it was the #1 book after being recommended in the AARP Bulletin which goes out to (I think) more than seven million readers. And Mike Piper's book,...
by Mel Lindauer
Fri Nov 21, 2014 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: The Bogleheads Have Taken Over
Replies: 8
Views: 2249

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Those fees are part of the fund's ER. DFA funds have fees of the same nature. But joe six-pack investor cannot purchase a DFA fund by himself. He has to pay an advisor for the privilege of paying DFA to manage the funds (i.e., the DFA fund's ER). A Vanguard investor only has to pay the ER. Not alwa...
by Mel Lindauer
Thu Nov 20, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8226

Re: Boglehead' Guide to Investing, 2/E

Not sure exactly what you're after, but I'd advise you to use the most up-to-date numbers provided by Vanguard.

We do warn readers on page 147 that correlations change over time. Remember, the production cycle of a book is almost one year, and I'm not sure exactly when we put that chart together.
by Mel Lindauer
Thu Nov 20, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Boglehead' Guide to Investing, 2/E
Replies: 8
Views: 1462

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

I don't understand why there is this big uproar over this. As Taylor says "there are many roads to Dublin" and Paul Merriman is simply offering one of those roads - he likes to slice and dice. If anyone did any additional fact checking, you'll also see that Paul offers the same type of st...
by Mel Lindauer
Thu Nov 20, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8226

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

IMO, he would have been much better off and could have avoided all of this bro-hah-hah if he had just not created the straw-man arguments against TSM and simply stated the reasons he liked slice-and-dice and DFA. Seems like the entire program was a setup for just that resulting message, which we've ...
by Mel Lindauer
Wed Nov 19, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8226

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

No, you missed the point that when one uses a DFA advisor, as recommended by Paul, then the advisor charges a fee. When someone follows Jack's advice, there is no fee involved. The advisor fees subtract from the returns touted by Paul and other DFA supporters. You use the company that he developed ...
by Mel Lindauer
Wed Nov 19, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8226

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Remember, Jack set up Vanguard with the investors as the owners. And he freely advises investors to own the market and hold forever vs trying to outsmart the market, as with DFA and tilting. And, following Jack's advice vs a DFA advisor's (which Paul recommended at the end of his broadcast), there ...
by Mel Lindauer
Wed Nov 19, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8226

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

He also, obviously, has a massive financial conflict of interest here- as a DFA advisor, of course he thinks DFA is awesome and you shouldn't use Vanguard. Do you likewise discount everything Bogle says due to his conflict of interest? Remember, Jack set up Vanguard with the investors as the owners...
by Mel Lindauer
Wed Nov 19, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8226

Re: Boglehead' Guide to Investing, 2/E

Mel, Taylor, & Michael, Can one of you steer me to the resource for the table on pages 148-152 of your new edition? I need to add R Squared for Short Term Bond Index and Inflation Protected Securities. I thoroughly enjoyed the revision! Regards, Hank Glad you enjoyed the Second Edition of The B...
by Mel Lindauer
Wed Nov 19, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Boglehead' Guide to Investing, 2/E
Replies: 8
Views: 1462

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Irritating that there is no transcript. "I think it's a very fine fund but not a perfect fund." It is broadly diversified, has low expenses, has low turnover, and exposes you efficiently to a great asset class." So basically, what he's saying is that you shouldn't listen to the rest ...
by Mel Lindauer
Wed Nov 19, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 88
Views: 8226

Re: Whole Life Insurance vs. 401k Contributions

In case people dont recognize it, if you look at his other posts you will realize, Deapsea sells life insurance. It's true that Deepsea is an admitted insurance salesman (see link below) so that fact needs to be taken into consideration when you compare all of the unbiased negative responses you've...
by Mel Lindauer
Sun Nov 16, 2014 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance vs. 401k Contributions
Replies: 59
Views: 3753

Re: Whole Life Insurance vs. 401k Contributions

You've gotten lots and lots of good unbiased advice with the exception of the lone insurance sales pitch. I'd suggest you go with the vast majority of the wise Bogleheads who warn you against purchasing this product. There is, however, one instance where whole life is a good deal, but sadly that's n...
by Mel Lindauer
Sun Nov 16, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance vs. 401k Contributions
Replies: 59
Views: 3753

Re: Reporter doing story on investment tips from DIY Investo

Anyone else fit the profile and care to be interviewed? If so, PM me with your name, email address and phone number.
by Mel Lindauer
Fri Nov 14, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on investment tips from DIY Investors
Replies: 2
Views: 901

Re: I BONDS

If I understand things correctly, you could also pay taxes on the accrued interest to date now (rather than defer) at the 15% rate while continuing to hold the bonds, though you would then be stuck paying interest annually for as long as you hold the bonds. That's true to a point. You can switch ba...
by Mel Lindauer
Thu Nov 13, 2014 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: I BONDS
Replies: 8
Views: 1150

Re: Vacation in Quebec City

Lovely city to visit. As the others have said, I think three days is sufficient. If you can, stay at the magnificent Le Château Frontenac where the kings and queens of olden days stayed. You might want to brush up on your French, since this is/was the center of the French seperatist movement and man...
by Mel Lindauer
Thu Nov 13, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in Quebec City
Replies: 18
Views: 1198

Re: Reporter doing story on investment tips from DIY Investo

Anyone interested in being interviewed for this story? If so, PM me with your name, email address and phone number.
by Mel Lindauer
Thu Nov 13, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on investment tips from DIY Investors
Replies: 2
Views: 901

Re: iBonds at zero % fixed

Wow, the case for both I-bonds and EE bonds seems to shrink with each reset of the rates. Don't they want people to buy savings bonds anymore? The powers seem that they wished I-Bonds never had a fixed rate. And the EE rate is so paltry, the only reason to buy is the doubling feature at 20 years. A...
by Mel Lindauer
Thu Nov 13, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9027

Re: Vanguard Capital Gains

ww340 wrote:Thank you for the reply.

The purchase I am making this week is in an IRA, so I am guessing it may not matter in that case?


That's correct. Taxes on IRAs aren't owed until withdrawal.
by Mel Lindauer
Wed Nov 12, 2014 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2580

Re: Transition from Saving to Spending

Here are links to a three-part series I did for Forbes on the transition from savings to spending at retirement. A number of Bogleheads shared their experiences with me for the columns. http://www.forbes.com/sites/thebogleheadsview/2011/02/04/switching-gears-at-retirement-going-from-savings-to-spend...
by Mel Lindauer
Wed Nov 12, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transition from Saving to Spending
Replies: 37
Views: 4060

Reporter doing story on investment tips from DIY Investors

Hi Everyone: A known reporter for a national publication is looking to interview Bogleheads for a story. If you fit the following profile and would like to be interviewed, just PM me with your name, phone # and email address and I'll pass it along to the reporter. I’m a reporter from a national publ...
by Mel Lindauer
Wed Nov 12, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on investment tips from DIY Investors
Replies: 2
Views: 901

Re: EE savings bonds for retirement

OP, why do you have to choose between EE bonds and i-bonds? Assuming it fits your AA, why don't you just buy $10,000 worth of each? I bought I bonds this year and plan to continue doing so. I am still on the fence about EE bonds. The first protects against inflation and second against deflation. As...
by Mel Lindauer
Wed Nov 12, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2160

Re: Happy 239th Birthday, U.S. Marine Corps

Happy birthday to the Marine Corps and all the fine men and women who wore the globe and anchor with honor. I'm proud to say that I was one of them.

Semper Fi.

Mel
USMC 1956-60
by Mel Lindauer
Mon Nov 10, 2014 4:50 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 860

Re: Which Chromebook?

I've had the Acer for some time now and I use it a lot when I'm on the road. It's loaded with connection options (Ethernet RJ 45, 3 usb ports and vga). It's lite enough to toss in your backpack without breaking your back.
by Mel Lindauer
Sun Nov 09, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 51
Views: 4905

Re: Do IBonds make sense living in a high inflation area

Investors need to remember that I Bonds offer some things that CDs don't.

1. They're tax-deferred for up to 30 years.
2. They can be used tax-free for qualifying educational expenses.
3. They're free from state and local taxes.
4. They offer inflation protection.
by Mel Lindauer
Sun Nov 09, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2983

Re: Do IBonds make sense living in a high inflation area

There are a lot of things to consider, and I'd put location way down on the list. Right now, my chief concern would be time frame. There is virtually no upside to buying I Bonds you expect to redeem in the next few years. I disagree. While they're not very attractive compared to past I Bond rates, ...
by Mel Lindauer
Sun Nov 09, 2014 12:56 am
 
Forum: Investing - Theory, News & General
Topic: Do IBonds make sense living in a high inflation area
Replies: 30
Views: 2983

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

abuss368 wrote:Would anyone be aware when the Q&A to Jack Bogle may be available?


Nothing's changed since the last time you asked and I responded upthread. viewtopic.php?p=2241077#p2241077
by Mel Lindauer
Sat Nov 08, 2014 8:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 7110

Re: ObamaCare vs. Private Insurance??

If you want to keep this thread open, everyone needs to avoid political opinions or comments. Otherwise, this thread will be locked.
by Mel Lindauer
Sat Nov 08, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 10215

Re: Question re Bogle interview with Benz

Funny how investors really love those Treasuries in Total Bond in down markets. Remember, bonds are your portfolio's ballast, and investors turn to Treasuries in bad times.
by Mel Lindauer
Fri Nov 07, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Question re Bogle interview with Benz
Replies: 8
Views: 899

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

Dear Bogleheads, Here is a link to the photos that I took, along with my photog buddy Pongo https://picasaweb.google.com/108981735637005715238/Bogleheads2014?authuser=0&authkey=Gv1sRgCIWTgtTp6-KEMQ&feat=directlink I enjoyed meeting everybody again this year! Enjoy the pics! with kindest reg...
by Mel Lindauer
Mon Nov 03, 2014 7:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 7110

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

I have posted my photos from BH13 (2014). Here is a link http://pongophotos.zenfolio.com/bh13 . Enjoy, Pongo Thank you Pongo for taking the time to not only compile, clean up, and post the images after the conference, but taking the time during the conference to capture these moments. Your generosi...
by Mel Lindauer
Sun Nov 02, 2014 6:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 7110

Re: Local Bogleheads Groups [Looking for Central NY Chapter]

Tim- Would it be of interest to try and start up a Syracuse, NY group? If you get four additional Bogleheads who show an interest in forming a Syracuse Local Chapter, and one of you volunteers to be the coordinator, then contact me with a name and email address that you'd use for this purpose, and ...
by Mel Lindauer
Fri Oct 31, 2014 3:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Local Bogleheads Groups [Looking for Central NY Chapter]
Replies: 8
Views: 512

Re: Is $700,000 enough to retire? Opinions please .

You've gotten a lot of good responses, but I'll add my two cents. IMO, if you feel you'll need to continue to spend at the current level, I certainly wouldn't feel comfortable thinking about retiring with $700,000. While some expenses may go down (no more SS withholding, commuting costs), other cost...
by Mel Lindauer
Fri Oct 31, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12500

Re: End of QE2 or Where did it go?

Economic discussions are off limits. This thread is locked.
by Mel Lindauer
Thu Oct 30, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: End of QE2 or Where did it go?
Replies: 13
Views: 1516

Jack Bogle: Better to Play it Safe in Bonds

Morningstar's Christine Benz interviewed Jack at our recent 2014 Bogleheads Conference. Here's the video.

http://www.morningstar.com/cover/videoc ... ?id=670421
by Mel Lindauer
Thu Oct 30, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Better to Play it Safe in Bonds
Replies: 0
Views: 943

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

abuss368 wrote:Does anyone know (and I apologize if this has already been addressed) when the questions to both Jack Bogle and the Panel (that we posted to the threads) will be available to review?


They'll be posted whenever they're ready. The folks doing this work are volunteers and they have real jobs.
by Mel Lindauer
Wed Oct 29, 2014 4:44 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 7110

Re: Do I need life insurance?

If you decide you need/want insurance, buy level term insurance.
by Mel Lindauer
Tue Oct 28, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 21
Views: 1380

Re: Life Insurance

Hello - First off, great forum! I'm trying to buy some life insurance for my wife. I've met with a Northwestern Mutual agent and he recommended their T80 plan (premium increases yearly but is guaranteed for 5 years). The value is for $500K and the starting premium is pretty low. The only thing that...
by Mel Lindauer
Mon Oct 27, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 15
Views: 1033

Re: Do you dream about retirement?

When I first retired and would visit my old business, which was being run by my sons, I had an uneasy feeling that they were going to lock the door and not let me leave! :-) I will have to say that I'm busier now in retirement than when I ran a business. I didn't go looking for the things I'm involv...
by Mel Lindauer
Mon Oct 27, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 6621

Re: Bogleheads Conference

Thank you so much, Jack! I am so glad and thankful to have made your acquaintance last year at Bogleheads 12 and again this year at Bogleheads 13! So much patience, common sense, wisdom and simplicity from yourself and my fellow Bogleheads, it's a beautiful thing. Thanks also to all the volunteers ...
by Mel Lindauer
Mon Oct 27, 2014 1:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2014 Bogleheads Conference Message from Jack Bogle
Replies: 10
Views: 1675

Re: 2014 Bogleheads Conference Message from Jack Bogle

Hi Jack: Once again, thanks for honoring us with your participation in the 2014 Bogleheads Conference. We hope you'll continue to be with us for many, many more years. You're our inspiration to continue the good fight for all that you stand for. I know that you'll be happy to learn that I'm already ...
by Mel Lindauer
Mon Oct 27, 2014 12:54 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2014 Bogleheads Conference Message from Jack Bogle
Replies: 10
Views: 1675

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

I brought DH to our first conference and we both enjoyed it very much. DH has not been involved with managing the portfolio, and this was his introduction to what I'm doing. So far he's a bit overwhelmed but comfortable, and adores Jack. Thanks to the organizers for all their hard work! That's a go...
by Mel Lindauer
Sun Oct 26, 2014 12:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 69
Views: 7110
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