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Re: Cost of living by state

Restarting a previously-locked thread is a violation of forum policy. This thread is locked by Moderator Mel.
by Mel Lindauer
Wed Aug 20, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of living by state
Replies: 1
Views: 492

Re: Which countries really provide health care to all citize

This thread is locked for review by Moderator Mel.
by Mel Lindauer
Wed Aug 20, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which countries really provide health care to all citizens?
Replies: 12
Views: 1145

Re: [live off dividends?] How the rich stay/get richer??

This thread is locked for review by Moderator Mel.
by Mel Lindauer
Wed Aug 20, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4316

Re: Bad(?) advice given about Target Date Retirement funds

Leeraar wrote:Methinks Mel was presaging a Wealthfront type of solution.

L.


Should I be entitled to royalties for coming up with idea back in 2009, Leearaar? :D
by Mel Lindauer
Wed Aug 20, 2014 12:04 am
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 71
Views: 4086

Re: Your biggest "Missed Money" event that still kills you?

mhalley wrote:Not buying i-bonds back when mel was extolling their virtues. 3% just seemed so LOW lol:(
Mike


Don't mean to rub it in, but they actually got up to 3.6% REAL before they started dropping, mhailey.
by Mel Lindauer
Tue Aug 19, 2014 11:18 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 79
Views: 5319

Re: Bad(?) advice given about Target Date Retirement funds

Here's a column I did for M* back in 2009 on this very topic called "Fixing Target Date Funds". http://news.morningstar.com/articlenet/article.aspx?postId=2686718 Vanguard already has 12 target retirement funds and the suggestion is that they should instead have 36? Investors are already ...
by Mel Lindauer
Tue Aug 19, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 71
Views: 4086

Re: Bogleheads Featured in Money Article

I am sorry to all if I just don't buy into the TIPS fascination in retirement and not many in their 80's are going to be managing a TIPS ladder -- remember a ladder has to essentially go on to beyond age 100, because what are you going to do if the ladder runs out?? Even though a bond ladder or a T...
by Mel Lindauer
Tue Aug 19, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 2917

Re: Bogleheads Featured in Money Article

The article also makes mention of a second edition coming out for my favorite investing book. Is it worth purchasing/reading the second edition if one already has the first? Put another way - are there a lot of changes? Yesterday (August 18th) was the official release date of The Bogleheads' Guide ...
by Mel Lindauer
Tue Aug 19, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 2917

Re: Reporter doing story on new money to Vanguard

middistancerunner wrote:This describes me! Do you know anything else about the story? Would she want to use full names?


Yes, they do use full names and often where you're from.
by Mel Lindauer
Tue Aug 19, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on new money to Vanguard
Replies: 6
Views: 1282

Re: Bad(?) advice given about Target Date Retirement funds

SpringMan wrote:I think the reason that target date funds get bad press from many financial advisors is that when people invest in them it puts the advisors out of a job.


Couldn't agree more.
by Mel Lindauer
Tue Aug 19, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 71
Views: 4086

Re: Bad(?) advice given about Target Date Retirement funds

What, you don't look at your portfolio allocation for 13 years? If you simply checked once every 5 years you would be fine. A few minutes every 5 years is pretty simple investing. I think the point is that if you need to manually steer your glide path the target date funds are doing nothing for you...
by Mel Lindauer
Tue Aug 19, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 71
Views: 4086

Re: Bad(?) advice given about Target Date Retirement funds

I feel that even in their present form, TD funds are still far better as a set and forget vehicle for many (most?) 401k participants. I see co-workers who have absolutely no idea which funds to choose, no basis by which to choose, and absolutely no desire to study and learn. Allocation, rebalancing...
by Mel Lindauer
Tue Aug 19, 2014 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 71
Views: 4086

Re: Is a big war coming ???

This thread is locked by Mod Mel for review.
by Mel Lindauer
Tue Aug 19, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3681

Re: Mississippi wins!

This thread is locked by Mod Mel for review.
by Mel Lindauer
Tue Aug 19, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mississippi wins!
Replies: 14
Views: 1802

Re: Reporter doing story on new money to Vanguard

I'll have my son give her a call. His financial advisor just made him open a Roth IRA at Vanguard this morning. It is his very first investment account and he put his contribution into the Target Retirement 2050 fund. On second thought, maybe he should not call her. The conversation might go someth...
by Mel Lindauer
Tue Aug 19, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on new money to Vanguard
Replies: 6
Views: 1282

Re: Bogleheads Featured in Money Article

So for tip #3, the article (Mel) is recommending I-Bonds and TIPS for pre-retires. Is that regardless of timeframe and goals? I would think that TIPS and I-Bonds would be more important for retires than pre-retires. Actually, the article was supposedly aimed at retirees and near-retirees, and I res...
by Mel Lindauer
Tue Aug 19, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 2917

Reporter doing story on new money to Vanguard

Hello Everyone: A known WSJ reporter is looking to interview Bogleheads who meet the following description: I’m looking for investors who have recently put money into Vanguard index funds for the first time, or have increased their holdings recently. Thanks so much, Kirsten Grind Wall Street Journal...
by Mel Lindauer
Tue Aug 19, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on new money to Vanguard
Replies: 6
Views: 1282

Re: Bogleheads Featured in Money Article

So for tip #3, the article (Mel) is recommending I-Bonds and TIPS for pre-retires. Is that regardless of timeframe and goals? I would think that TIPS and I-Bonds would be more important for retires than pre-retires. I-bonds - sure these are "somewhat" of an inflation hedge because they tr...
by Mel Lindauer
Tue Aug 19, 2014 1:57 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 2917

Re: Bogleheads Featured in Money Article

So for tip #3, the article (Mel) is recommending I-Bonds and TIPS for pre-retires. Is that regardless of timeframe and goals? I would think that TIPS and I-Bonds would be more important for retires than pre-retires. Actually, the article was supposedly aimed at retirees and near-retirees, and I res...
by Mel Lindauer
Mon Aug 18, 2014 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 2917

Re: Bad(?) advice given about Target Date Retirement funds

My preference for the LifeStrategy funds is primarily due to the naming convention. When presented with a menu of LifeStrategy funds, an investor has no choice but to think about his/her risk tolerance. With the Target Retirement funds, there's an easy out: just pick based on the date. And even whe...
by Mel Lindauer
Mon Aug 18, 2014 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 71
Views: 4086

Bogleheads Featured in Money Article

Hi Everyone:

Our forum got a nice mention in this Penny Wang Money column:

3 Smart Moves for Retirement Investors from the Bogleheads
by Mel Lindauer
Mon Aug 18, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 2917

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

I placed my order. Expect to get the new edition for my nephew along with a copy of Medicare for Dummies for me. (Had that out of the library and decided it was worth owning.) Two different stages of life now covered. Unfortunately, at the time I placed the order it was not yet visible on the Bogle...
by Mel Lindauer
Mon Aug 18, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 26
Views: 2191

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

Not sure if this information is available for public consumption but curious as to how many books have been sold. Allan Not sure of the exact number, Allan, but our publisher calls it a "best-seller". It continues to sell well on a regular basis, month in and month out, year in and year o...
by Mel Lindauer
Sun Aug 17, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 26
Views: 2191

Re: What was Underestimated\Overestimated in Retirement

I'd say the biggest surprise was the total cost of healthcare, since both my wife and I have been in excellent health. There's the cost of the Part B that gets subtracted from your SS check, then there's the supplemental plan costs (constantly increasing at an alarming rate), the cost of the Plan D...
by Mel Lindauer
Sun Aug 17, 2014 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 4505

Re: Spouse not ready to cut ties with financial advisers

Since you have a portfolio of $3mil and your husband is a poker player, ask how he'd feel loosing $1.5mil on one hand. That's exactly what he's risking in a sure-to-come down market downturn since these so-called "friends" apparently have you in 100% equities, despite what you requested. I...
by Mel Lindauer
Sun Aug 17, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5804

Re: What was Underestimated\Overestimated in Retirement

I'd say the biggest surprise was the total cost of healthcare, since both my wife and I have been in excellent health. There's the cost of the Part B that gets subtracted from your SS check, then there's the supplemental plan costs (constantly increasing at an alarming rate), the cost of the Plan D ...
by Mel Lindauer
Sun Aug 17, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 4505

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

I like the new cover with the minimalist ("the majesty of simplicity") drawing of the crowd (I see the Bogleheads there) and the signs, "Keep Costs Low," "Keep It Simple," and "Stay the Course." Look forward to reading the updated version now. Thanks to you a...
by Mel Lindauer
Sun Aug 17, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 26
Views: 2191

Re: 529 Plan vs. GI Bill - Which to use first for kids

Hello, I found this site a couple of years ago and can’t begin to tell you how helpful/reinforcing it’s been to our general financial well being. You’re doing a great service for folks and I just wish that more people knew about and used your help (I’ve been trying to do my part to let others know)...
by Mel Lindauer
Sat Aug 16, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Plan vs. GI Bill - Which to use first for kids
Replies: 2
Views: 200

Re: Spouse not ready to cut ties with financial advisers

How do load waivers work? Is it based on your total assets in the fund, or the individual purchase order? I tried to figure out who even gets the load, but it's not clear to me. Be sure you husband knows these things about Vanguard: 1. They can provide advisory services for a portion of what you're...
by Mel Lindauer
Sat Aug 16, 2014 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5804

Re: Can A Target Date Fund Be Bad For Late Starters?

I’m just curios. Can a Target Date Fund be more detrimental to your investment strategy because of it’s glide path if you’re getting a late start in investing? Or would it be much better to just pick a specific asset allocation (i.e. 60/40 stock and bond allocation) and stay the course with it unti...
by Mel Lindauer
Sat Aug 16, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can A Target Date Fund Be Bad For Late Starters?
Replies: 5
Views: 700

Re: Finished BogleHeads Guide, Suggestions?

Thanks for the advice, I'll begin working through the wiki. Mel, I placed an order for the second edition a few hours ago. Worst case it'll be a quick refresher for me and I plan to lend it out as well. I would much rather see you use the information in the Second Edition, bobble. Even though the o...
by Mel Lindauer
Sat Aug 16, 2014 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Finished BogleHeads Guide, Suggestions?
Replies: 7
Views: 665

Re: Business Insider: The Stock Market Could Drop 50% Tomor

Takeaway : Don't have money you need tomorrow in the stock market. If you are influenced in such a way that a low bid price will induce you to sell, you need a better plan, which may be to hold less in stocks - or as Mike Tyson put it, " Everyone has a plan until they get punched in the mouth ...
by Mel Lindauer
Sat Aug 16, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Business Insider: The Stock Market Could Drop 50% Tomorrow
Replies: 14
Views: 2171

Re: Finished BogleHeads Guide, Suggestions?

Hey all, I recently finished reading: 1) "I'll Teach You To Be Rich," Sethi (2009) 2) "The Bogleheads Guide to Investing," Larimore, Lindauer, LeBoeuf (2007) Both were eye-opening, I think I learned a lot. I'm also really happy that I read the two books in the order that I did. ...
by Mel Lindauer
Sat Aug 16, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Finished BogleHeads Guide, Suggestions?
Replies: 7
Views: 665

Re: Spouse not ready to cut ties with financial advisers

You could probably save a small fortune by using Vanguard's Advisory Services. They offer one-time or ongoing advice. You'd pay less for the advice and less in expense ratios for the funds they suggested for you. And there are no loads. It's a win/win/win situation for you and your spouse. Here's a ...
by Mel Lindauer
Sat Aug 16, 2014 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 94
Views: 5804

Re: Receiving Spam Emails Since Joining

I can assure you that we do everything possible to protect the privacy of our posters. We do not sell or release ANY information on ANY member, PERIOD, and you can take that to the bank. On a personal note, FWIW, I've noticed that I've also been getting much more junk/trash/spam/offers at my persona...
by Mel Lindauer
Sat Aug 16, 2014 8:01 pm
 
Forum: Forum Issues and Administration
Topic: Receiving Spam Emails Since Joining
Replies: 9
Views: 721

Re: Do Super wealthy have access to different investing vehi

They could have invested with Bernie Madoff and his kind while you and I couldn't. :D
by Mel Lindauer
Sat Aug 16, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6076

Re: Windows 7 PC?

I have windows 8.1. It seems to be bug infested. It blue screens or black screens and I have to power down and back up pretty often. I find it hard to find solutions to problems on the web, much harder than with XP. I had to turn off all plugins in Chrome to keep it working, but I think they still ...
by Mel Lindauer
Sat Aug 16, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2257

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

Angrypuppy wrote:Is the book presented well on an eReader or is this best read in a traditional format?


Sorry Angrypuppy, but I can't answer that, since I haven't seen the new book on an eReader.
by Mel Lindauer
Sat Aug 16, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 26
Views: 2191

Re: CFA June 2014 results

Congrats to all those who've recently learned that they passed any level of the CFA exams.
by Mel Lindauer
Fri Aug 15, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: CFA June 2014 results
Replies: 28
Views: 2861

Re: Windows 7 PC?

Hated 8.0 but with 8.1, I was able to get it to act more like 7 and that works for me. W8.1 till has some things that aren't as good as 7, but it's much more workable than 8.0. Personally, I'd stick with 7 if you can, since there's no learning curve to have to deal with as there is in 8.0/8.1.
by Mel Lindauer
Fri Aug 15, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2257

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

Thanks for the heads up. I've been waiting to buy the new edition for my nephew, who just graduated from college. I'm thinking I'll get it now and carry it with me when I go to visit at Thanksgiving -- that will give me plenty of time to read it myself :P . That's a great gift, Gerry. Getting them ...
by Mel Lindauer
Fri Aug 15, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 26
Views: 2191

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

Thanks for the heads up. I've been waiting to buy the new edition for my nephew, who just graduated from college. I'm thinking I'll get it now and carry it with me when I go to visit at Thanksgiving -- that will give me plenty of time to read it myself :P . That's a great gift, Gerry. Getting them ...
by Mel Lindauer
Thu Aug 14, 2014 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 26
Views: 2191

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

Mel & Taylor, Can you summarize the applicable changes in the second edition? Kind of hard to summarize it in a few words, Tom, since there were 42 pages of typewritten changes that were applied throughout the book, and then more revisions done during several rounds of the proofing state. Howev...
by Mel Lindauer
Thu Aug 14, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 26
Views: 2191

Re: [Help with I-bonds vs. TIPS]

Welcome to the forum washerdryer! . . . . any remaining questions. PJW Thanks for the welcome, and the advice. As for remaining questions, I'm not sure exactly how to phrase this to get the information I'm looking for, but here's an attempt: I don't know exactly what numbers I should be looking at ...
by Mel Lindauer
Thu Aug 14, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Help with I-bonds vs. TIPS]
Replies: 7
Views: 858

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

I am looking at the 2nd edition of the publication on Amazon and I notice that only the hardcover and e-reader versions are available. Does anyone know if it is being published in paperback form? Link is here: http://www.amazon.com/Bogleheads-Guide- ... 118921283/ Thanks! Our latest book ( The Bogl...
by Mel Lindauer
Thu Aug 14, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 26
Views: 2191

Reporter doing story on Donor-Advised Funds

Hello Everyone: A known reporter for a national newspaper would like to talk to people about good or bad experiences with donor-advised funds, also called charitable gift funds. If you fit the profile and would like to be interviewed for the story, please PM me as soon as possible and provide me wit...
by Mel Lindauer
Wed Aug 13, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Donor-Advised Funds
Replies: 0
Views: 264

Re: Robin Williams

This thread has run it's course. Let's get back to discussing investing.
by Mel Lindauer
Wed Aug 13, 2014 2:50 am
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4612

Re: I-bonds have doubled !!! thanx mel/taylor

greenspam wrote:Thanx Mel,

I am aware it might be tax-free but is there a MAGI cutoff for that ???


Yes, and it's adjusted from time to time, so you'll want to check to be sure you have the latest figure.

https://www.treasurydirect.gov/indiv/pl ... cation.htm
by Mel Lindauer
Tue Aug 12, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds have doubled !!! thanx mel/taylor
Replies: 26
Views: 4360

Re: I-bonds have doubled !!! thanx mel/taylor

Why in the world would you cash in a 3% I-bond? I mean are you going to get 3% real with no risk anywhere else? My intention was to use the I-bonds for emergency fund / children's college education, and in this case, it was for the latter.... I cashed in a $5k bond for $8704 (it was purchased in ja...
by Mel Lindauer
Tue Aug 12, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds have doubled !!! thanx mel/taylor
Replies: 26
Views: 4360

Re: I-bonds have doubled !!! thanx mel/taylor

bilperk wrote:Why in the world would you cash in a 3% I-bond? I mean are you going to get 3% real with no risk anywhere else?


Nice to see your name on a post, Bill. Agree that it would have to be for something really, really important to part with those 3% real I Bonds.
by Mel Lindauer
Mon Aug 11, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: I-bonds have doubled !!! thanx mel/taylor
Replies: 26
Views: 4360
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