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Re: Which SPIA ?

I am researching SPIA for myself, and I am curious which Ins/Annuity Company other Forum Members went with & why ? Any & all input would be appreciated. Best Regards As long as you stick to highly-rated insurance providers, SPIAs are basically a commodity product, so you can choose the one ...
by Mel Lindauer
Sun Apr 26, 2015 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which SPIA ?
Replies: 5
Views: 480

Re: Jack Bogle books at 50% discount for Bogleheads

Only a couple more days to take advantage of this 50% discount offer.
by Mel Lindauer
Sat Apr 25, 2015 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle books at 50% discount for Bogleheads
Replies: 13
Views: 2837

Re: Someone please explain why ibonds are so great?

also what about ee bonds? Other than the doubling after 20yrs what is the appeal of these right now? The current 20 yr treasury rate is 2.36%. EE bonds pay 3.53% if held for 20 years. That's a big difference. But, even better is that EE interest is tax deferred. So, if in 20 years you will be in a ...
by Mel Lindauer
Sat Apr 25, 2015 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Someone please explain why ibonds are so great?
Replies: 16
Views: 2385

Re: Someone please explain why ibonds are so great?

Most investors consider I Bonds for their inflation protection. However, since the composite rate can never go below 0%, they're also a great DEflation hedge. In fact, the greater the deflation, the higher the I Bond REAL return would be.
by Mel Lindauer
Sat Apr 25, 2015 11:32 am
 
Forum: Investing - Theory, News & General
Topic: Someone please explain why ibonds are so great?
Replies: 16
Views: 2385

Re: UAE Bogleheads Local Chapter Established

Expat_Cat wrote:Hello... Anyone home?


Here's the contact information:

The group name is UAE Bogleheads.
The contact name is Jen
The email is UAEbogleheads@gmail.com
by Mel Lindauer
Sat Apr 25, 2015 11:06 am
 
Forum: Local Chapters and Bogleheads Community
Topic: UAE Bogleheads Local Chapter Established
Replies: 8
Views: 895

Re: UAE Bogleheads Local Chapter Established

Kalergie wrote:Hi. I live in Dubai. Still interested in getting this thing going. :)


Here's the contact information:

The group name is UAE Bogleheads.
The contact name is Jen
The email is UAEbogleheads@gmail.com
by Mel Lindauer
Sat Apr 25, 2015 11:05 am
 
Forum: Local Chapters and Bogleheads Community
Topic: UAE Bogleheads Local Chapter Established
Replies: 8
Views: 895

Re: UAE Bogleheads Local Chapter Established

SurferD wrote:HI Everyone, is this UAE chapter still active and alive?


Did you try to make contact with Jen?

The group name is UAE Bogleheads.
The contact name is Jen
The email is UAEbogleheads@gmail.com
by Mel Lindauer
Sat Apr 25, 2015 11:05 am
 
Forum: Local Chapters and Bogleheads Community
Topic: UAE Bogleheads Local Chapter Established
Replies: 8
Views: 895

Re: Taiwan Local Chapter

Thanks for that great report, verfasser. Looking forward to seeing you again at the 2015 Bogleheads Conference in Philadelphia in October.
by Mel Lindauer
Fri Apr 24, 2015 7:50 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 80
Views: 9263

Re: Taiwan 2015 Bogleheads Conference Report & Pics

:oops: I forgot to include the link. Thanks Ever Ready and Barry.
by Mel Lindauer
Fri Apr 24, 2015 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Taiwan 2015 Bogleheads Conference Report & Pics
Replies: 3
Views: 373

Re: Vanaguard Account Activity Alerts

I got a notice on a routine MM check purchase yesterday, and hadn't seen this thread. I was concerned that something funny was going on, since the message said to call if you didn't initiate the transaction (I didn't, but it was a routine monthly transaction). When I called, the rep wasn't aware of ...
by Mel Lindauer
Fri Apr 24, 2015 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanaguard Account Activity Alerts
Replies: 20
Views: 1525

Re: Your Questions for Jack Bogle Q&A @ Bogleheads Conferenc

I just received my beautiful hard cover 2015 edition of "John Bogle on Investing: the First 50 Years" from Wiley Publishing. In his dedication, Bogle writes this edition is: "Dedicated to all of the human beings who have meant so much to me during the first 50 years of my career: tho...
by Mel Lindauer
Fri Apr 24, 2015 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle Q&A @ Bogleheads Conference
Replies: 15
Views: 1578

Re: Jack Bogle books at 50% discount for Bogleheads

Is "John Bogle on Investing" current? The copyright date says April 2015. However, when I preview some pages at Amazon multiple charts list periods only up to 1999. My understanding is that just the front matter, including the introduction/foreword has been updated. So, if you have the pr...
by Mel Lindauer
Fri Apr 24, 2015 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle books at 50% discount for Bogleheads
Replies: 13
Views: 2837

Re: Question about US Savings Bonds

If somebody bought a savings bond to be given to their grandchild at a later date, and it had a face value of $1,000. How does this work? Does the grandchild, upon receiving the bond, get $1,000 and interest is paid to the grandparent for the amount of time that the bond was in savings? Does the gr...
by Mel Lindauer
Fri Apr 24, 2015 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about US Savings Bonds
Replies: 4
Views: 494

Re: Your Questions for Jack Bogle Q&A @ Bogleheads Conferenc

Have a question for Mr. Bogle? Post it here and, time permitting, we'll get it answered for you at the 2015 Bogleheads Conference.
by Mel Lindauer
Fri Apr 24, 2015 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle Q&A @ Bogleheads Conference
Replies: 15
Views: 1578

Taiwan 2015 Bogleheads Conference Report & Pics

Hi Everyone: Our Taiwan Local Chapter leader has put on another successful Bogleheads Conference in Taiwan. Here's a report on the Conference and lots of pics. FYI, the Taiwan Local Chapter coordinator, Mr. Chen (verfasser), is an author and member of this forum. He attended our 2013 Bogleheads Conf...
by Mel Lindauer
Fri Apr 24, 2015 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Taiwan 2015 Bogleheads Conference Report & Pics
Replies: 3
Views: 373

Re: Tampa, FL Chapter

Is there a local Chapter in the Tampa bay area? I searched through the forum and I see one listed for South Florida but nothing specific to Tampa. If you get five or more Bogleheads who are interested in forming a Tampa Local Chapter and one of you agrees to be the coordinator, just let me know and...
by Mel Lindauer
Fri Apr 24, 2015 7:18 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Tampa, FL Chapter
Replies: 4
Views: 491

Re: European Cruises

Mel, I've heard good things about river cruising, but that it's most suited for couples rather than families. Is that true? It seems that OP will be traveling as a couple, so that is a good fit. OP, I spent the most wonderful Christmas in Rome a few years ago. You've given me ideas now about a retu...
by Mel Lindauer
Tue Apr 21, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 1717

Re: European Cruises

Next year will be my 10th anniversary and I would like to take my wife on a European cruise. The only town I definitely want to visit is Rome, but was going to try to get some recommendations for other places that are must see. Have any of you taken a European cruise, if so, which cruise line and w...
by Mel Lindauer
Tue Apr 21, 2015 1:20 pm
 
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 1717

Re: new i-bond rate?

So this discussion is making me feel like I made a big mistake shifting 10K from checking (earning 0.06%) to I-bonds in February. I just felt I would do better in the long run and perhaps reap tax-deferral and diversify my cash holdings doing this. I can hold out for 5 years, but wonder if I should...
by Mel Lindauer
Mon Apr 20, 2015 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: new i-bond rate?
Replies: 18
Views: 2862

Jack Bogle books at 50% discount for Bogleheads

Hello Everyone: Wiley, our publisher, has a special offer for Bogleheads! For a limited time, save 50% on Jack Bogle's classics John Bogle on Investing and Bogle on Mutual Funds when you use promo code BOGLE on wiley.com. Offer expires April 27, 2015. http://www.wiley.com/WileyCDA/Section/id-825555....
by Mel Lindauer
Mon Apr 20, 2015 7:51 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle books at 50% discount for Bogleheads
Replies: 13
Views: 2837

Re: Please Help Me Explain an Equity Index Annuity to a Rela

<snip...>For the most recent year (April 1 2014-March 31 2015): S&P 500 return (including dividends reinvested): 12.73% Return on my mom's annuity indexed to the S&P 500: 0.0%. For those unfamiliar with how these work - I assume others work similar to my mom's - there is a cap on the amount...
by Mel Lindauer
Sun Apr 19, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 37
Views: 2467

Re: Please Help Me Explain an Equity Index Annuity to a Rela

I didn't hear the sales pitch made to my parents, so I don't know under what guise this product was sold to them. As best I could make out from their explanation of why they transferred their retirement savings from their IRAs to a product whose details they didn't understand, it was insurance for ...
by Mel Lindauer
Sun Apr 19, 2015 7:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 37
Views: 2467

Re: Trading Platform Software

I am new to trading/investing and new to this board. My question has to do with robotic trading software, specifically CoolTrader. To me it sounds and looks really good, and my contacts with the company have been positive. However, I would like to hear if anyone here has an outside perspective, whe...
by Mel Lindauer
Sat Apr 18, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trading Platform Software
Replies: 4
Views: 422

Re: What Is The Worst Car You Have Ever Owned?

Historical, but not actionable. This thread is locked.
by Mel Lindauer
Sat Apr 18, 2015 2:16 pm
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1765

Re: How to use Gift Wisely to Help Pay for Graduate School

Hello! This is a fantastic windfall, and I'd like to make this money work for me a little with good return and low to no risk. What do I do with it? The most uneducated answer I have is to transfer it to a bank and use it monthly for only rent and food/living expenses. However, I'm curious about sh...
by Mel Lindauer
Fri Apr 17, 2015 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to use Gift Wisely to Help Pay for Graduate School
Replies: 10
Views: 675

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Osp62 wrote:Is there a waiting list for this conference. I am assuming that some people may need to cancel so would like to be placed on a wait list in case someone cancels. Thanks.


No, there is no wait list. If there are any cancellations, that just makes the event a bit less crowded.
by Mel Lindauer
Fri Apr 17, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 70
Views: 10339

Re: Mel's Forbes column explains "Rebalancing."

Here's a recent timely Forbes column of mine that may well be applicable here. http://www.forbes.com/sites/thebogleheadsview/2015/04/06/dont-let-the-market-set-your-asset-allocation-rebalance/ Mel: Thank you for sharing another one of your outstanding Forbes columns. You have a way of making compli...
by Mel Lindauer
Fri Apr 17, 2015 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1261
Views: 241109

Re: UTMA and Coverdell

IMO, the first $2000 per year should go the the Coverdell since they're much more flexible than the 529. They can be used for K12 OR college expenses, whereas the 529 is for college expenses. Additional contributions beyond the $2000 for the Coverdell should then be directed to a 529 Plan. That is ...
by Mel Lindauer
Fri Apr 17, 2015 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: UTMA and Coverdell
Replies: 16
Views: 772

Re: Your Questions for Jack Bogle Q&A @ Bogleheads Conferenc

Mel, Can you please direct me to the transcript of Jack's Q&A in the 2014 Boglehead Conference? I assume it has been posted and I have missed it. Thanks. Hi Doc: It appears that the videos of everything EXCEPT Jack's Q&A has been completed and posted here: https://www.bogleheads.org/wiki/Bo...
by Mel Lindauer
Fri Apr 17, 2015 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle Q&A @ Bogleheads Conference
Replies: 15
Views: 1578

Re: UTMA and Coverdell

I think it would be much much better to use a 529 plan instead. Have you and her considered a 529 plan or two instead of a Coverdell IRA? 529 can only be used for college, am I correct? I would like to be able to use it for her before she goes to college. I do not know yet if we should get a 529 ac...
by Mel Lindauer
Fri Apr 17, 2015 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: UTMA and Coverdell
Replies: 16
Views: 772

Re: U.S. stocks in freefall

Here's a recent timely Forbes column of mine that may well be applicable here.

http://www.forbes.com/sites/theboglehea ... rebalance/
by Mel Lindauer
Fri Apr 17, 2015 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1261
Views: 241109

Re: Would you buy 1.5 M house without AC?

I just can't imagine paying more than a million dollars for a house that didn't have a/c. Whether you choose to use it or not is entirely up to you, but being miserable in a hot house that I paid more than a million for is unthinkable to me. And, if you're thinking about adding a/c later, you have t...
by Mel Lindauer
Thu Apr 16, 2015 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 60
Views: 4624

Your Questions for Jack Bogle Q&A @ Bogleheads Conference

Hello Everyone: Once again I'll have the distinct pleasure of moderating a Question and Answer session with our friend and mentor, Jack Bogle. The Q&A will take place at our annual get-together with Jack at the 2015 Bogleheads Conference in Philadelphia on October 14-16, 2015. Many of you won't ...
by Mel Lindauer
Thu Apr 16, 2015 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle Q&A @ Bogleheads Conference
Replies: 15
Views: 1578

Re: 2015 net worth survey

Locked for Moderator review. (Reopening previously-locked topic.)
by Mel Lindauer
Thu Apr 16, 2015 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: 2015 net worth survey
Replies: 20
Views: 2924

Re: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years

Thank you Mel. Your Forbes article "A Simple Way To Build Your Own Annuity" provided me the impetus to pursue this strategy to guarantee coverage of my basic retirement needs, so it's great to hear your input. It seems like I Bonds would indeed be good in deflation (you'd basically earn t...
by Mel Lindauer
Sun Apr 12, 2015 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years
Replies: 22
Views: 1884

Re: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years

I'm looking to create a 20-year ladder of US Government Bonds, and trying to understand which instruments to use given potential inflation and deflation concerns. From my research on this forum and elsewhere, it seems like these are the main options, and they all have pros and cons: 1) US Series I ...
by Mel Lindauer
Sat Apr 11, 2015 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years
Replies: 22
Views: 1884

Re: "The Real Point of Active Investing"

According to the author, “The goal of active investing has nothing to do with outperforming the market.” http://www.thinkadvisor.com/2015/04/06/the-real-point-of-active-investing It occurs to me that in the history of the securities markets there has never been a more popular or more successful str...
by Mel Lindauer
Wed Apr 08, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: "The Real Point of Active Investing"
Replies: 10
Views: 1634

Re: Is CitiBank a Good Company to Do Business With?

The only relationship I have with Citi is through multiple credit cards and I've never had a problem. I love their Virtual Account Number feature and use it for every online purchase. I make purchases, pay the bill when due, it works. +1 In addition, in terms of answering the phone, handling disput...
by Mel Lindauer
Mon Apr 06, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Is CitiBank a Good Company to Do Business With?
Replies: 12
Views: 1167

Social Security: How to decide when it's time

Good Vanguard article providing information to help folks decide when might be the best time to start collecting.

https://personal.vanguard.com/us/insigh ... cript=true
by Mel Lindauer
Fri Apr 03, 2015 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security: How to decide when it's time
Replies: 2
Views: 777

Re: Any Magic Jack users out there?

I'm considering giving up our landline phone when we move into our new house in June. I know you lose your phone service if you lose internet service and that you don't have reverse 911. Are there any other drawbacks to VOIP? If we do go this route, how do we get a phone number? TIA. Chris Hi Chris...
by Mel Lindauer
Thu Apr 02, 2015 8:27 pm
 
Forum: Personal Consumer Issues
Topic: Any Magic Jack users out there?
Replies: 10
Views: 1231

Re: Australian Chapter ?

Hi Duffman, I would be interested in joining the Aussie chapter if you set one up Aussie BH checking in, Long time lurker. I'm in favour of an Aussie chapter :thumbsup Haven't set one up just yet, will do so this week ! Just send me a PM with your first name and an email address you want to use for...
by Mel Lindauer
Thu Apr 02, 2015 1:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Australian Chapter ?
Replies: 7
Views: 839

Re: Forest cabin as second "home"

trying to find some help getting cabin insurance at a reasonable cost: Smplegift wrote: "Insurance has been difficult to get at a reasonable price. We went without liability insurance for many years (due to its very high cost), and finally ended up creating a family LLC, which now owns the cab...
by Mel Lindauer
Wed Apr 01, 2015 8:47 am
 
Forum: Personal Consumer Issues
Topic: Forest cabin as second "home"
Replies: 27
Views: 4720

Re: A special day for two World War II veterans

Congrats, my dear friend. For those who don't know, I've raced twice in the Biscayne Regatta with Taylor, and we won both times, thanks to his sailing skills. He's quite a skipper as well as a a cherished friend and co-author of mine. Working together for the past 17 years, we've helped to build the...
by Mel Lindauer
Wed Apr 01, 2015 8:20 am
 
Forum: Local Chapters and Bogleheads Community
Topic: A special day for two World War II veterans
Replies: 20
Views: 1581

Re: Funding my Portfolio

I recently started investing on Etrade, and I have a simple question regarding funding my portfolio. I am going with the 3-fund Vangard portfolio that has been talked about on this site. When I buy shares through Etrade, I am charged 19.99 for the transaction. I would like to fund my portfolio once...
by Mel Lindauer
Mon Mar 30, 2015 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funding my Portfolio
Replies: 7
Views: 368

Re: Restaurant tipping

This thread has run its course and is locked.
by Mel Lindauer
Sun Mar 29, 2015 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12563

Re: Selling mutual funds before or after dividends

sageegirl: it was strafe who gave the compliment.....he (or she) referred to Mel as Taylor L. Is this a case of a mistaken identity within a mistaken identity? That's pretty meta. No one would have a problem with mistaken identity if they saw us together I'm the younger, good-looking one. At times,...
by Mel Lindauer
Sat Mar 28, 2015 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Selling mutual funds before or after dividends
Replies: 10
Views: 768

Re: Selling mutual funds before or after dividends

I have just transferred my IRA from a major brokerage firm to Vanguard and this is my first post. Quite a few mutual funds will be sold by Vanguard to be placed into Vanguard funds. Does it really make much difference if those mutual funds are sold pre or post the next dividends? On the surface it ...
by Mel Lindauer
Sat Mar 28, 2015 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Selling mutual funds before or after dividends
Replies: 10
Views: 768

Re: Help convince me to transfer a Met-life VA

OK, thank you all for the insight. This all helped me jump over to the better side. I am out of the surrender period so I will be dropping it. Now the next question, should I transfer to a Vanguard Annuity or just to a Vanguard Traditional IRA? I am leaning more towards the second option as I now r...
by Mel Lindauer
Sat Mar 28, 2015 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Help convince me to transfer a Met-life VA
Replies: 20
Views: 1216
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