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Re: Gifting Appreciated EE or iBonds to non dependent for 52

How about a different strategy, avoiding 529 entirely: Don't cash the bonds until the niece/nephew is in school, then pay the school directly for (a part of?) the tuition. You are spending the bonds on qualified education* It doesn't inflate income for the recipient for financial aid purposes. *I'm...
by Mel Lindauer
Tue Sep 30, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting Appreciated EE or iBonds to non dependent for 529
Replies: 11
Views: 485

Reporter doing story on estate planning

Hi Everyone: A known reporter for a national newspaper would like to hear from people planning their estates. How is your planning different now that the federal estate tax exemption is more than $5 million per individual, which exempts the vast majority of Americans? In particular, what use do you ...
by Mel Lindauer
Tue Sep 30, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on estate planning
Replies: 1
Views: 244

Re: Emergency room consent

After Moderator review, this thread will remain locked. Getting into legal and medical advice, neither of which are allowed on this forum. And, it's run its course.
by Mel Lindauer
Mon Sep 29, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency room consent
Replies: 61
Views: 3071

Re: Obese airline passenger

This thread is locked for Moderator review.
by Mel Lindauer
Mon Sep 29, 2014 7:08 am
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4622

Re: anybody has done Whipple surgery

Medical issue/advice is not allowed. This thread is locked.
by Mel Lindauer
Mon Sep 29, 2014 7:06 am
 
Forum: Personal Consumer Issues
Topic: anybody has done Whipple surgery
Replies: 6
Views: 1012

Re: Notice From Vanguard About Impending Transfer

I'm looking forward to getting my email and having my accounts simplified. I already have multiple brokerage accounts with zero balances (I used to buy individual TIPS for both mine and my wife's IRA accounts), so there's a lot of clutter on my screen. While you can choose to not display some of you...
by Mel Lindauer
Sat Sep 27, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Notice From Vanguard About Impending Transfer
Replies: 17
Views: 2040

Re: Read too many books... help untangle

So I have been a knee deep in books over the past month (and juxtaposing with what I read here) or so trying to plan a portfolio for post business exit and it seems I have thoroughly confused myself. It seems there is a lot of contradiction out there, but maybe I just see it as contradiction. It se...
by Mel Lindauer
Sat Sep 27, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Read too many books... help untangle
Replies: 35
Views: 2391

Re: TSP Withdrawal

My wife resigned from federal service last Feb. We have kept her TSP but are considering moving it into an IRA with Wells Fargo. We are both 55 and we will not be needing the money for some time. Right now the money is in the L2020 Fund, ~$270K. While I know the expense ratio is higher in the IRA I...
by Mel Lindauer
Fri Sep 26, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP Withdrawal
Replies: 7
Views: 583

Re: HAPPY BIRTHDAY, VANGUARD

It's been 40 years since Jack founded Vanguard. In that time period, Vanguard has grown from a tiny company of 28 employees overseeing $1.4 billion when Jack started the firm in 1974. It has since grown to a behemoth with over 14,000 crew members all over the globe and some $3 trillion in assets un...
by Mel Lindauer
Thu Sep 25, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY [40th] BIRTHDAY, VANGUARD
Replies: 16
Views: 1490

Supporting the Operating Costs of the Forum

Hello Everyone: This post is from a long-timer regular who wanted to remain anonymous. I'm posting it on his behalf at his request. The recent thread on the cost of operating this forum reminded me that I had planned to donate some money but hadn’t gotten around to it. If someone came to you from yo...
by Mel Lindauer
Thu Sep 25, 2014 4:24 pm
 
Forum: Forum Issues and Administration
Topic: Supporting the Operating Costs of the Forum
Replies: 9
Views: 970

Reporter doing story on retail stocks

Erin, a known reporter for the WSJ is looking to interview folks for a story she's working on. Here's what she wrote: I’m working on a feature about the pros and cons of retail-sector stocks, and I am interested in finding out how individual investors get ideas for which stores/chains to invest in. ...
by Mel Lindauer
Thu Sep 25, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on retail stocks
Replies: 0
Views: 194

Re: HAPPY BIRTHDAY, VANGUARD

I think that as the founder, Jack knows when he started Vanguard. He says September 24, 1974 was the start date, and, since he was there, that's good enough for me.
by Mel Lindauer
Wed Sep 24, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY [40th] BIRTHDAY, VANGUARD
Replies: 16
Views: 1490

HAPPY [40th] BIRTHDAY, VANGUARD

It's been 40 years since Jack founded Vanguard. In that time period, Vanguard has grown from a tiny company of 28 employees overseeing $1.4 billion when Jack started the firm in 1974. It has since grown to a behemoth with over 14,000 crew members all over the globe and some $3 trillion in assets und...
by Mel Lindauer
Wed Sep 24, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY [40th] BIRTHDAY, VANGUARD
Replies: 16
Views: 1490

Re: question about ee savings bonds

Is the federal tax on ee savings bonds interest exempt if used to help pay tuition at a private secondary school(high school)% Your situation is where a Coverdell Educational Savings Account would be nice to have. They're much more flexible than other educational savings products, such as 529 Plans...
by Mel Lindauer
Sun Sep 21, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: question about ee savings bonds
Replies: 3
Views: 585

Re: The Case Against Mid Caps? (Say it ain't so!)

Trevor wrote:What do Boglehead's think about using extended market index to tilt towards small and mid caps simultaneously?


That'll work.
by Mel Lindauer
Sun Sep 21, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: The Case Against Mid Caps? (Say it ain't so!)
Replies: 23
Views: 2589

Re: All my eggs in one basket?

Quote from http://www.bogleheads.org/wiki/Vanguard_safety#Custody One of the warning signs of the Ponzi schemes conducted by Bernie Madoff and Stanford Financial was that both institutions self-custodied their assets. That is, the same institution was responsible both for managing the assets and fo...
by Mel Lindauer
Sat Sep 20, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: All my eggs in one basket?
Replies: 22
Views: 9745

Re: The Case Against Mid Caps? (Say it ain't so!)

Say it ain't so Mel! It ain't so. The only folks who try to discount mid-caps are the DFA gang, because they're locked into slice-and-dice using large and small. I originally pointed out the advantages of mid-caps in a discussion with Larry Swedroe back in 2000 on the old Morningstar forum. Here's ...
by Mel Lindauer
Sat Sep 20, 2014 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: The Case Against Mid Caps? (Say it ain't so!)
Replies: 23
Views: 2589

Re: Jason's Zweig's new dictionary ---enjoy

Hi Everyone: Jason told me that The Devil’s Financial Dictionary is a work-in-progress. Many definitions are lacking purely because he hasn’t gotten to them yet. The list of future entries is much longer than the ones he's already finished. I'm sure he'll get some ideas from those posted here as wel...
by Mel Lindauer
Fri Sep 19, 2014 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 27
Views: 2489

Re: Jason's Zweig's new dictionary ---enjoy

Jason at his best. THRIFT, n. The obsolete practice of spending less money than you earn; once believed to be a virtue, now regarded as a disturbing form of deviant behavior Mel, the only comment I have is Jason missed many words that could have been included. I have a feeling that before the Bogle...
by Mel Lindauer
Wed Sep 17, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 27
Views: 2489

Re: Jason's Zweig's new dictionary ---enjoy

Jason is looking for constructive criticism, so if you have any to offer, post it here. I'll let Jason know about this thread.
by Mel Lindauer
Wed Sep 17, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 27
Views: 2489

Re: Reporter doing story on Vanguard's Advisory Service

Any more takers? If you fit the profile and would like to be interviewed, please PM me. The reporter's on a tight schedule.
by Mel Lindauer
Wed Sep 17, 2014 7:35 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Vanguard's Advisory Service
Replies: 1
Views: 500

Reporter doing story on Vanguard's Advisory Service

Hello Everyone: A journalist for a leading national publication is interested in speaking with Bogleheads who have tested or are using Vanguard Personal Advisor Services. The deadline is tight, so please contact me via PM if you are willing to speak with the reporter about your experiences. I'll nee...
by Mel Lindauer
Tue Sep 16, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Vanguard's Advisory Service
Replies: 1
Views: 500

$1.99 Amazon Kindle Special on Larry's Book

I noticed that the Kindle version of one of Boglehead Larry Swedroe's book, Think, Act and Invest like Buffett , is on sale today at a very Bogleheadish price of $1.99 (:-)) http://www.amazon.com/Think-Invest-Like-Warren-Buffett/dp/0071809953/ref=sr_1_1?s=books&ie=UTF8&qid=1410541442&sr=...
by Mel Lindauer
Fri Sep 12, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: $1.99 Amazon Kindle Special on Larry's Book
Replies: 3
Views: 1391

Re: Are Mid Caps the NEW Small Caps

I'm wondering if, given the amount of love that small cap and small cap value tilting is getting recently, and the sheer number of investors tilting that way, if it's possible that the risk premiums normally associated with this type of tilt will be for naught and we will begin to see smaller and s...
by Mel Lindauer
Wed Sep 10, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Are Mid Caps the NEW Small Caps
Replies: 15
Views: 1716

Re: Q&A WITH JACK BOGLE AT THE 2014 BOGLEHEAD CONFERENCE

Thanks to everyone for your questions. I've gathered them and am now preparing them for the Conference. This thread is now closed.
by Mel Lindauer
Mon Sep 08, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Q&A WITH JACK BOGLE AT THE 2014 BOGLEHEAD CONFERENCE
Replies: 38
Views: 14918

Re: WSJ on leaving Roth IRA to heirs.. no so fast???

Thread locked for Moderator review.

After Moderator review, this thread will remain locked. Discussions of proposed or possible legislation is not allowed on the forum.
by Mel Lindauer
Mon Sep 08, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ on leaving Roth IRA to heirs.. no so fast???
Replies: 11
Views: 1905

International Bonds

Hi Everyone: Not sure if this has been posted or not, but I didn't see it. Here are Vanguard's thoughts on their International Bond fund. International bonds: A strategy for rising rates, or any time https://personalp.vanguard.com/us/insights/article/international-bonds-philips-082014?opentranscript...
by Mel Lindauer
Sun Sep 07, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: International Bonds
Replies: 4
Views: 640

Re: Question: How to Design an Aggressive 2 Year Portfolio?

This thread is locked for Moderator review.
by Mel Lindauer
Sun Sep 07, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Question: How to Design an Aggressive 2 Year Portfolio?
Replies: 30
Views: 1248

Re: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?

Here's a Forbes column I did about four years ago on the subject of annuities inside 401k plans. I think the title of the column will give you a good quick summary.

http://www.forbes.com/2010/07/02/variab ... dauer.html
by Mel Lindauer
Sun Sep 07, 2014 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Hi Bogleheads, Fixed Annuity inside 401k - thoughts?
Replies: 28
Views: 1403

Re: "There is no such thing as a truly passive portfolio"

This thread has run its course and will remain locked.
by Mel Lindauer
Thu Sep 04, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: "There is no such thing as a truly passive portfolio"
Replies: 58
Views: 2114

Re: Coverdell ESA for tutoring costs

Glad you enjoyed our new book, msj16. I'm a firm believer that the first $2000 destined for a child's education each year should go into the much more flexible Coverdell ESA account. I don't know why Vanguard stopped offering them, but it could be related to the low annual contribution limit of $200...
by Mel Lindauer
Mon Sep 01, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coverdell ESA for tutoring costs
Replies: 6
Views: 355

Re: how to withdraw from the IRA during retirement

Thanks to all...question for Mel, can you recommend a well written book, or short guide, for folks like me who are unexpectedly close to retirement? Since my health issues (two serious spine surgeries and one hip replacement with complications) have all happened during the past 18 months, I find my...
by Mel Lindauer
Mon Sep 01, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to withdraw from the IRA during retirement
Replies: 13
Views: 1403

Re: how to withdraw from the IRA during retirement

There's no set pattern. Many try to delay withdrawal until the end of the calendar year to maximize accumulation within the IRA. Others, who depend on the RMD for living expenses, withdraw in installments as needed throughout the year. Doesn't make much difference - whatever best suits your needs. ...
by Mel Lindauer
Mon Sep 01, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to withdraw from the IRA during retirement
Replies: 13
Views: 1403

Re: Do Bogleheads worry about institutional risk?

Here's something I wrote a number of years ago that addresses these concerns:
http://www.bogleheads.org/wiki/Vanguard_safety

Hopefully Bogleheads have a few bucks for gas and food outside of their Vanguard accounts.
by Mel Lindauer
Sun Aug 31, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 33
Views: 1712

Re: My husband's " WILL", $ left for me to live on....

Based on her last post, this appears to have ended on a happy note, so let's leave it that way. This thread is locked based on that happy ending (let's not spoil it).
by Mel Lindauer
Sun Aug 31, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17403

Re: Q&A WITH THE EXPERTS AT THE 2014 BOGLEHEADS CONFERENCE

Any more questions for the Experts Panels? If so, post them right here and I'll add them to the list of questions.
by Mel Lindauer
Sun Aug 31, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Q&A WITH THE EXPERTS AT THE 2014 BOGLEHEADS CONFERENCE
Replies: 37
Views: 12292

Re: Can I give financial advice without being certified?

I'm not a certified financial planner/adviser or anything like that, but I'd like to present some of the things I know about personal finance, investments, and financial planning to some people. Is that legal? With a name like yours, I don't think you'll find many people interested in hearing what ...
by Mel Lindauer
Sat Aug 30, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I give financial advice without being certified?
Replies: 6
Views: 818

Re: Bogleheads in Consumer Reports Magazine

VictoriaF wrote:Hopefully, we will see more women posters.

Victoria


We may well have many more women posters than you're aware of, Victoria. Remember, member names often are intentionally deceptive to avoid gender identity.
by Mel Lindauer
Sat Aug 30, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Consumer Reports Magazine
Replies: 6
Views: 945

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

LadyGeek wrote:Thread locked for moderator review.


After Moderator review, this thread will remain locked.
by Mel Lindauer
Sat Aug 30, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6758

Re: Anyone used Vanguard Flagship Services With Portfolio $1

DAK wrote:Agree if you're bogleheading already its not all that special. I got free Turbo Tax which I use. Other than that I think my rep tries to call once a year and I probably don't answer.


Thanks for posting that (I had forgotten about it). I also use the free Turbo Tax each year to do my taxes.
by Mel Lindauer
Sat Aug 30, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4331

Re: Anyone used Vanguard Flagship Services With Portfolio $1

One of the nice features of being a Flagship client is the ability to have other family members under your "Flagship Umbrella", which means they also get Flagship perks even though they don't have the $1mm invested at Vanguard.
by Mel Lindauer
Sat Aug 30, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4331

Re: What happened to SoCal Chapter?

TimeRunner wrote:We are spread out. Driving time from here to Irvine, for example, is over 3-1/2 hours...with normal traffic. :oops:


Nothing wrong with setting up several more Chapters that would be closer to the various interested parties.
by Mel Lindauer
Fri Aug 29, 2014 8:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What happened to SoCal Chapter?
Replies: 14
Views: 1989

Re: Poor Janus, a look at this once high flying fund family

Brings back memories of my pre-boglehead days. :oops: Janus Fund, Janus Twenty, Janus Worldwide. Also Lindner Dividend Fund, Scudder International, Financial Industrial Income Fund. You have to be of a certain age to have even heard of these funds. :wink: In February of 2000 I moved all my IRAs to ...
by Mel Lindauer
Fri Aug 29, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7374

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Is anyone aware if The Bogleheads a) will be updating the Retirement Guide and b) plan on writing any additional books? Both of these options are still on the table, abuss. Our publisher (Wiley), owns the "Dummy" series of books, and they see the Bogleheads' Guides as a series of books al...
by Mel Lindauer
Fri Aug 29, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 7018

Re: Inflation Protected Securities

Several points: 1. Vanguard's TIPS fund has outperformed Total Stock Market many years since its inception, so they make a nice combination. 2. More importantly, TIPS seem to be a nice counter-balance to equities, since on many days when equities are down, TIPS are up, helping to offset the equity l...
by Mel Lindauer
Fri Aug 29, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities
Replies: 14
Views: 1788

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Tortoise Banker wrote:I really, really, really like these gems. What a nice treat!


There's no doubt, Tortoise Banker, that Taylor's "Gems" are truly gems. You really get the flavor of a book by reading them.
by Mel Lindauer
Thu Aug 28, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 7018

Re: Anybody heard of/used Zinc Save?

Wow- so much attention from all the big guns on Bogleheads! No, I am not affiliated with Zinc. I just saw it somewhere earlier today on a consumer website (lifehacker, maybe?) and read about it. I'm not sold on it either and did not install or try it myself- I just wondered if any here had used it,...
by Mel Lindauer
Wed Aug 27, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Anybody heard of/used Zinc Save?
Replies: 10
Views: 938

Re: "The Bogleheads' Guide to Investing -- Second Edition"

I would also like to add my thanks to the authors for writing an excellent book. I found it extremely informative and useful. Also thanks to everyone for their kindness in answering our questions that must be simplistic for financial gurus. Lynette Thanks for your nice comments, Lynette. Glad to he...
by Mel Lindauer
Wed Aug 27, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 7018

Re: Establishing "Small Business" and Cheating IRS?

This thread is locked for moderator review.
by Mel Lindauer
Wed Aug 27, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing "Small Business" and Cheating IRS?
Replies: 11
Views: 1145

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Alright there are already 9 used copies on Amazon that are listed higher than the new price. The 9 of you come forward. That is something only a true Boglehead would do. That's probably Taylor trying to sell his author's copies. :D :D Hi Dave: I hope Taylor finds it amusing, too! That's very funny,...
by Mel Lindauer
Tue Aug 26, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 7018
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