Search found 11443 matches

by Mel Lindauer
Mon Jun 29, 2015 2:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 71
Views: 9588

Re: South Florida Local Chapter

I would enjoy joining the SFL bogelheads chapter. If there is a way to contact the appropriate coordinator please pass on. I tried SFLbogelheads@gmail.com but i kept getting error message. Sincerely, gary "bogleheads" is misspelled and that's your problem. If you're gonna be one, you gott...
by Mel Lindauer
Mon Jun 29, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: annuity advice
Replies: 5
Views: 694

Re: annuity advice

I have a myga -- 7 year fixed (cdlike) annuity with met life. it has a fxed rate of 6.3% and contract ends this nov. it is non-qualified and the cost basis is 119 k. it will be worth 215k in nov. I have not touched it for 7 years. I have social security and a small government pension at I draw down...
by Mel Lindauer
Mon Jun 29, 2015 2:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Interested in a Charleston SC Area Local Chapter?
Replies: 10
Views: 2745

Re: Interested in a Charleston SC Area Local Chapter?

Sounds like there's enough interest to get a Charleston SC Local Chapter going. All we need now if for one of you to agree to be the Local Chapter coordinator. That person doesn't have to be an investing guru. Rather, he/she simply communicates with the other members regarding meeting dates, locatio...
by Mel Lindauer
Mon Jun 29, 2015 1:51 pm
Forum: Investing - Theory, News & General
Topic: Being Mr. Bogle's Company has 3 Trillion Dollars
Replies: 15
Views: 2046

Re: Being Mr. Bogle's Company has 3 Trillion Dollars

Being Mr. Bogle's Company has over 3 Trillion dollars under management, has anyone done the math for what his net monetary worth would have been, had he structured his company the way the other mutual fund companies have been structured? The reason I ask is that I'm going to attend, "The Money...
by Mel Lindauer
Sun Jun 28, 2015 9:39 pm
Forum: Investing - Theory, News & General
Topic: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’
Replies: 37
Views: 3066

Re: Greece or Puerto Rico?

LadyGeek wrote:Thread locked for moderator review.


After review, this thread will remain locked. Non-actionable.
by Mel Lindauer
Sat Jun 27, 2015 2:58 pm
Forum: Investing - Theory, News & General
Topic: "Target Date Funds Are Riskier Than You Think"
Replies: 39
Views: 5044

Re: "Target Date Funds Are Riskier Than You Think"

Here's a column I wrote for Morningstar back in 2009 titled "Fixing Target Date Funds" that you might find interesting.

http://news.morningstar.com/articlenet/ ... Id=2686718
by Mel Lindauer
Thu Jun 25, 2015 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity: Fidelity vs Vanguard
Replies: 3
Views: 373

Re: Variable Annuity: Fidelity vs Vanguard

My wife was involved in an accident when she was younger, and was given a settlement for any future medical expenses. When she turned 18 it was turned over to her, and her parents placed it in a Fidelity variable retirement annuity. It has grown from 39k to 93k in about 12 years. I know that variab...
by Mel Lindauer
Thu Jun 25, 2015 2:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter meets this Saturday June 27 at 11:00 Panera Bread Northgate Mall
Replies: 20
Views: 1710

Re: Seattle Chapter meets this Saturday June 27 at 11:00 Panera Bread Northgate Mall

Just had an opportunity to follow up with Sam. He's going to go ahead and host this meeting on Saturday. Both of us will coordinate going forward. Thanks! Glad that you got it worked out. That's great news for all the Seattle-area Bogleheads. Two coordinators working together to share the load make...
by Mel Lindauer
Wed Jun 24, 2015 5:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter meets this Saturday June 27 at 11:00 Panera Bread Northgate Mall
Replies: 20
Views: 1710

Re: Seattle Chapter meets this Saturday June 27 at 11:00 Panera Bread Northgate Mall

@sam I'm not seeing an email from you. When did you send it? @mel I believe we previously had it listed as "Derek (seattlebogleheads@gmail.com)". Thanks. OK, Derek, I'll change it back. Sam - You'll need to work things out with Derek and coordinate your meetings with him and the other exi...
by Mel Lindauer
Wed Jun 24, 2015 4:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter meets this Saturday June 27 at 11:00 Panera Bread Northgate Mall
Replies: 20
Views: 1710

Re: Seattle Chapter meets this Saturday June 27 at 11:00 Panera Bread Northgate Mall

Hi, Sam Seattle. I'm the Seattle Chapter Organizer. We've been meeting once a quarter for the last three quarters. We chatted about it as a group, and the consensus is that once a quarter is the right meeting frequency. The next one will be coming up shortly—details will be available soon. I'd much...
by Mel Lindauer
Wed Jun 24, 2015 9:42 am
Forum: Investing - Theory, News & General
Topic: What does it mean to be FIRE?
Replies: 30
Views: 3006

Re: What does it mean to be FIRE?

This thread has run it's course and is locked.
by Mel Lindauer
Tue Jun 23, 2015 4:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2281

Re: Happy Birthday to Mel [Lindauer]

Thanks again for all the good wishes. Still without a/c and the heat index is around 100, so I may have to go hang out in some air conditioned stores to cool down. Tomm. and my new a/c can't come soon enough!
by Mel Lindauer
Mon Jun 22, 2015 10:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2281

Re: Happy Birthday to Mel

Thanks for the birthday wishes everyone. I gave myself a $6,000 birthday present (my air conditioner went out today). They say they'll install the new one on Wed., so a couple of uncomfortable days and then I should be good to go. As a Boglehead, thank goodness, you have an adequate emergency fund ...
by Mel Lindauer
Mon Jun 22, 2015 8:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2281

Re: Happy Birthday to Mel

Thanks for the birthday wishes everyone. I gave myself a $6,000 birthday present (my air conditioner went out today). They say they'll install the new one on Wed., so a couple of uncomfortable days and then I should be good to go.
by Mel Lindauer
Sun Jun 21, 2015 8:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: FATHER'S DAY
Replies: 15
Views: 1860

Re: FATHER'S DAY

Hi again Mel, I didn't know you had two sons! :oops: Of course you are as proud of them, as they are of you, and I hope to have the opportunity to meet them someday. I know you must all be having a wonderful day together. That's probably because my daughter was the only one who get away to attend B...
by Mel Lindauer
Sun Jun 21, 2015 4:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: FATHER'S DAY
Replies: 15
Views: 1860

Re: FATHER'S DAY

Happy Father's Day to you Mel, =) Thank you for your kind words, and all your help and expertise through the years to help me with my investing goals, and advice on other matters also. I know your daughter is so very proud of you, and must be thrilled to have you as her dad. And I'm proud to have h...
by Mel Lindauer
Sun Jun 21, 2015 2:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: FATHER'S DAY
Replies: 15
Views: 1860

Re: FATHER'S DAY

Taylor Larimore wrote:Kathleen:

Thank you for your beautiful message.

I know you made your Father very proud to have such a loving daughter!

Best wishes.
Taylor


I second Taylor's sentiments, Kathleen. I know your Dad is looking down on you and is very proud of all that you've accomplished.
by Mel Lindauer
Sat Jun 20, 2015 11:49 am
Forum: Investing - Theory, News & General
Topic: Wsj article today on reit investing
Replies: 34
Views: 5888

Re: Wsj article today on reit investing

With comments from Bernstein, Ferri, and Swedroe along with an investor's comments, the article ( http://www.wsj.com/articles/use-reits-to-invest-like-a-property-mogul-1434731193 ) looks like it might have been born and bred here on the forum. Perhaps it is related to this thread, too, asking for s...
by Mel Lindauer
Sat Jun 20, 2015 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Saving vs Spending in Retirement ~
Replies: 30
Views: 4716

Re: Saving vs Spending in Retirement ~

Here's a Forbes column I did on this very topic in 2011. Folks like you are the reason I love being a BH !!! Thanks, Jerry. Here's Part 2 of that Forbes series on switching from saving to spending in retirement. http://www.forbes.com/sites/thebogleheadsview/2011/02/28/switching-gears-at-retirement-...
by Mel Lindauer
Fri Jun 19, 2015 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Saving vs Spending in Retirement ~
Replies: 30
Views: 4716

Re: Saving vs Spending in Retirement ~

Here's a Forbes column I did on this very topic in 2011. The title of the column is "Switching Gears at Retirement: Going from Savings to Spending Mode".

http://www.forbes.com/sites/theboglehea ... ding-mode/
by Mel Lindauer
Fri Jun 19, 2015 8:54 pm
Forum: Investing - Theory, News & General
Topic: A Look Inside Jack Bogle's Office
Replies: 27
Views: 4967

Re: A Look Inside Jack Bogle's Office

. And, of course, the famous typewritten Princeton thesis that was the basis for Vanguard and indexing Mel (or anyone), do you know if Jack's thesis is available on-line? 1210 I don't know. It's included in his book John Bogle on Investing: The First 50 Years , and that's probably the easiest place...
by Mel Lindauer
Fri Jun 19, 2015 2:13 pm
Forum: Investing - Theory, News & General
Topic: A Look Inside Jack Bogle's Office
Replies: 27
Views: 4967

Re: A Look Inside Jack Bogle's Office

. And, of course, the famous typewritten Princeton thesis that was the basis for Vanguard and indexing Mel (or anyone), do you know if Jack's thesis is available on-line? 1210 While there's no known online availability, his Princeton Thesis is published in the last chapter of his book "J ohn B...
by Mel Lindauer
Fri Jun 19, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 13619

Re: Gifting Money at Parties

This thread has run its course and is locked.
by Mel Lindauer
Thu Jun 18, 2015 2:54 pm
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 6578

Re: How much do your children cost per month?

This thread is locked for Moderator review.
by Mel Lindauer
Thu Jun 18, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: Betterment Review
Replies: 81
Views: 7005

Re: Betterment Review

Vanguard's new Personal Advisory Service is much cheaper. Have you looked at that? Um...no its not. vanguard pAS is 30 bps. Betterment is 25bps, or 15bps if you have more assets there. Not saying that Betterment is superior, but it's not more expensive than Vanguard PAS. Sorry, I misspoke. Thanks f...
by Mel Lindauer
Thu Jun 18, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: Betterment Review
Replies: 81
Views: 7005

Re: Betterment Review

Vanguard's new Personal Advisory Service is much cheaper. Have you looked at that?
by Mel Lindauer
Thu Jun 18, 2015 9:15 am
Forum: Investing - Theory, News & General
Topic: A Look Inside Jack Bogle's Office
Replies: 27
Views: 4967

A Look Inside Jack Bogle's Office

Hi Everyone: Here's a glimpse inside the office of our friend and mentor, Jack Bogle. At 86, he's still actively working as hard as ever. I've had the distinct honor of visiting with Jack in that office. Not mentioned in the article are his pride and joy -- a slide rule that he still uses and a stac...
by Mel Lindauer
Wed Jun 17, 2015 8:53 pm
Forum: Forum Issues and Administration
Topic: Is it possible to change the user name?
Replies: 7
Views: 1882

Re: Is it possible to change the user name?

Tico_75 wrote:Is it possible to change the user name?


Just PM LadyGeek with your requested new user name and she'll take care of it for you.
by Mel Lindauer
Wed Jun 17, 2015 8:52 pm
Forum: Personal Consumer Issues
Topic: Southwest Credit Card-Atlanta Travel
Replies: 20
Views: 1475

Re: Southwest Credit Card-Atlanta Travel

I have the Chase SW Rapid Rewards card and their program is, IMO, the best because of its ease of use. There are not blackout dates and I've had no problems using the points for flights for me, my wife, relatives and friends. I'm a huge SW fan. Love the friendly informal attitude of the folks who wo...
by Mel Lindauer
Wed Jun 17, 2015 2:04 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on REIT investing
Replies: 0
Views: 521

Reporter doing story on REIT investing

Hi Everyone: A known reporter for a national publication is looking to talk to folks who invest in REITS. He'd like to discuss why you invest in REITS. If you invest in REITS and would like to be interviewed for the story, please respond to me promptly via PM and provide me with the following inform...
by Mel Lindauer
Sun Jun 14, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: Office for MAC/iPad/iphone
Replies: 9
Views: 1153

Re: Office for MAC/iPad/iphone

My solution was to purchase a combination clamshell bluetooth keyboard/cover which both protects my iPad when travelling and provides a lighted keyboard to get real work done. Here's a link: http://www.amazon.com/ZAGG-PROfolio-Ultrathin-Bluetooth-Keyboard/dp/B00AI3RRAA/ref=sr_1_3?s=electronics&i...
by Mel Lindauer
Sun Jun 14, 2015 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: is it better to work for small company rather than big firm?
Replies: 36
Views: 4671

Re: is it better to work for small company rather than big firm?

IMO, your talents are more likely to be recognized and appreciated earlier in a small company vs a large one. That can lead to increased responsibilities and faster promotions. The opposite holds true as well: If you don't have what it takes, it will show up much sooner in a smaller company.
by Mel Lindauer
Sun Jun 14, 2015 2:36 am
Forum: Personal Finance (Not Investing)
Topic: Variable Annuity - Does it become part of inheritance?
Replies: 38
Views: 2779

Re: Variable Annuity - Does it become part of inheritance?

So if the annuitant dies 3 days after buying the annuity, payments stop, whether the premium was $100, or $1MM. That's only true if the annuitant doesn't elect a term certain payout (for example, 10-year term certain). In that case, if the annuitant dies prior to the term certain period chosen (10 ...
by Mel Lindauer
Sun Jun 14, 2015 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Variable Annuity - Does it become part of inheritance?
Replies: 38
Views: 2779

Re: Variable Annuity - Does it become part of inheritance?

As others have pointed out, with the exception of a few factual posts, there's so much misinformation above that I don't even know where to start. Folks seem to be mixing Single Premium Immediate Annuities (SPIAs) with Variable Annuities (VAs). A VA is normally a tax-deferred ACCUMULATION vehicle un...
by Mel Lindauer
Sat Jun 13, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7842

Re: Chromebooks- What is the lure?

A bit of a tangent: I've been puzzled by Chromebook reviewers who recommend that users obtain a mouse to compensate for inferior touchpads, even with touchscreen Chromebooks. Doesn't the touchscreen eliminate the need for a mouse? Using the mouse vs the touchscreen is not limited Chromebooks. The s...
by Mel Lindauer
Wed Jun 10, 2015 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 34226

Re: much ado about coasting (through life)

After Moderator review, this thread will remain locked.
by Mel Lindauer
Wed Jun 10, 2015 6:34 pm
Forum: Investing - Theory, News & General
Topic: Ask Your Questions here for the Jack Bogle Q&A @ Bogleheads Conference
Replies: 38
Views: 6230

Re: Ask Your Questions here for the Jack Bogle Q&A @ Bogleheads Conference

Moved this one for Jack over here. It was asked as part of a question for the Experts Panel Q&A (Jack's Q&A session is separate from the Experts Panel Q&A). ::To our mentor, John Bogle - 70% total bond market, 30% corporate bond - Is this a good "total bond" market diversifica...
by Mel Lindauer
Tue Jun 09, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Safest Vehicle Ever
Replies: 6
Views: 1159

Re: Safest Vehicle Ever

This thread is locked for Moderation.
by Mel Lindauer
Sun Jun 07, 2015 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond purchase vs issue date
Replies: 3
Views: 603

Re: I Bond purchase vs issue date

Yep, the issue date is what counts, so they're part of your 2015 allowance.
by Mel Lindauer
Sun Jun 07, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: D-Day message from France
Replies: 27
Views: 2978

Re: D-Day message from France

In March of last year, during the 70th year anniversary of D-Day, I visited Normandy and stood on Omaha Beach. I also toured the American Cemetary with its seemingly endless lines of white crosses. Went into a German machine gun bunker overlooking the landing beaches and saw some of the bomb craters...
by Mel Lindauer
Sat Jun 06, 2015 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy Expense Ratio
Replies: 6
Views: 839

Re: Lifestrategy Expense Ratio

mickeyd wrote:
The LS fund does not add an additional ER on top.


I think that is true for all of Vanguard's fund-of-funds.


Yes, that's true.
by Mel Lindauer
Sat Jun 06, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: Ask Your Questions here for the Jack Bogle Q&A @ Bogleheads Conference
Replies: 38
Views: 6230

Re: Ask Your Questions here for the Jack Bogle Q&A @ Bogleheads Conference

Moved this one for Jack over here. It was asked as part of a question for the Experts Panel Q&A (Jack's Q&A session is separate from the Experts Panel Q&A). ::To our mentor, John Bogle - 70% total bond market, 30% corporate bond - Is this a good "total bond" market diversificat...
by Mel Lindauer
Fri Jun 05, 2015 7:07 pm
Forum: Personal Consumer Issues
Topic: Stonehenge 4-Sale. Best Offer.
Replies: 6
Views: 1145

Re: Stonehenge 4-Sale. Best Offer.

Off topic. Not related to investing. Non-actionable. This thread is locked.
by Mel Lindauer
Thu Jun 04, 2015 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Another refugee from Ameriprise - help!
Replies: 23
Views: 2283

Re: Another refugee from Ameriprise - help!

Just talked to Ameriprise - the two Riversource annuities ARE within IRAs..... Okay, that clarifies things. You might ask Mel Lindauer or Taylor Larimore the best thing to do in this situation. With the one annuity, if you wait a year or two, you might escape the surrender charge completely. A lot ...
by Mel Lindauer
Thu Jun 04, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: ACA and retiring before 65
Replies: 28
Views: 3385

Re: ACA and retiring before 65

Thread locked for Moderator review.
by Mel Lindauer
Mon Jun 01, 2015 7:04 pm
Forum: Investing - Theory, News & General
Topic: What determines I bonds annual purchase limit, if anything
Replies: 14
Views: 1144

Re: What determines I bonds annual purchase limit, if anything

High fixed rates, high annual purchase limits, credit card float, a month's worth of interest for holding one or two days and credit card perks. As they say: "Those were the good old days!". As for the credit card float, if you purchased the bonds immediately after your statement date you...

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