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Re: SEC Proposes Money Market Fund Reforms

... AFAIK the proposal would change rules for all MM funds. Your Knowledge, with respect to the SEC proposing ending reported $1.00 per share Net Asset Values for retail money market funds, is incorrect according to our Librarian's link in his original post. http://www.sec.gov/news/press/2013/2013-...
by Mel Lindauer
Sun Jun 16, 2013 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Proposes Money Market Fund Reforms
Replies: 30
Views: 1474

Re: Happy Father's Day

Thanks for the good wishes, Kathleen. I know your father would be very proud of you. No doubt he's looking down and bragging to everyone, saying "That's my Kathleen!"
by Mel Lindauer
Sun Jun 16, 2013 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Happy Father's Day
Replies: 5
Views: 292

Re: I-bonds or high-interest checking?

Dear Bogleheads, We have our emergency fund and car replacement fund in a high-interest (for these days!) checking account earning 1.74% (when we opened the account two years ago, this account was earning 3%). We would like gradually to move the larger portion of our emergency fund into I-bonds to ...
by Mel Lindauer
Sat Jun 15, 2013 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-bonds or high-interest checking?
Replies: 2
Views: 458

Re: Florida residency ??

I want to make my FL condo my primary home of record before I have to start taking my IRA RMD next year. I'm sure other here have done the same and know what is required. Help! Thanks Towdie 1. Exchange your current drivers license for a Florida drivers license with your Florida address. 2. Registe...
by Mel Lindauer
Fri Jun 14, 2013 8:41 am
 
Forum: Personal Consumer Issues
Topic: Florida residency ??
Replies: 14
Views: 1315

Re: How is fixed rate on i-bonds determined?

The variable rate is decided by the spending habits of the American public, as it should be. So what you are saying then, is that it's MEL'S fault? For publicizing and promoting I-bonds. Now that everybody knows about them, more people are buying them, so the demand is high, and the fixed rates are...
by Mel Lindauer
Wed Jun 12, 2013 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: How is fixed rate on i-bonds determined?
Replies: 13
Views: 873

Re: How is fixed rate on i-bonds determined?

Even though it might seem counter-intuitive, 0% I-Bonds are a good buy relative to 10-year TIPS. The 0% fixed rate is a premium over the negative rate TIPS. Especially since you can always sell them and buy new ones if the fixed rates go up in the future. In addition, the tax on the I-Bonds is defe...
by Mel Lindauer
Wed Jun 12, 2013 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: How is fixed rate on i-bonds determined?
Replies: 13
Views: 873

Re: Help create a Financial Presentation: Calling all Bogleh

So is the Financial Literacy Project a comprehensive approach to personal finance or is it intended to emphasize the a "Bogleheadish" (low cost, do it yourself) approach to investing? As I read the linked document this is quite ambitious. (I'm not saying that it lacks merit, I just don't ...
by Mel Lindauer
Wed Jun 12, 2013 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 61
Views: 3390

Re: How is fixed rate on i-bonds determined?

I understand how they calculate the composite rate, but how does the treasury determine what the fixed rate should be? Any possibility it will increase from 0 in the near future? The fixed rate is set arbitrarily by Treasury and the are no published guidelines for how they set the rate. IMO, they s...
by Mel Lindauer
Wed Jun 12, 2013 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: How is fixed rate on i-bonds determined?
Replies: 13
Views: 873

Re: Variable Annuities: Promises vs. actuality

Has your Monte Carlo modeler tool been considered for inclusion in the wiki, Prune? If not, check with LadyGeek to see if it's something that's appropriate for the wiki. LadyGeek has a copy along with full documentation. She is going to be checking the code for logic errors before we move forward. ...
by Mel Lindauer
Wed Jun 12, 2013 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Annuities: Promises vs. actuality
Replies: 12
Views: 1209

Re: Variable Annuities: Promises vs. actuality

People say that the Lotto is a tax on people who can't do math. I'd add Variable and Index Annuities to that list also! Mike Piper's example has fairly straightforward mathematics as these VA calculations go. Prof. Moshe Milevsky has published similar examples. But clearly the average retiree isn't...
by Mel Lindauer
Wed Jun 12, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Annuities: Promises vs. actuality
Replies: 12
Views: 1209

Re: Renting Tires

This thread is locked. Non-actionable.
by Mel Lindauer
Mon Jun 10, 2013 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Renting Tires
Replies: 19
Views: 1721

Re: Help create a Financial Presentation: Calling all Bogleh

Lots of good ideas. I think that we should plan on the wiki being the repository of any material (at least for now). When/if we ever get the Bogle Center web site up and running, then we could link to all the educational material that's already contained on the wiki, providing links by subject matte...
by Mel Lindauer
Sun Jun 09, 2013 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 61
Views: 3390

Re: Greenville, SC Bogleheads - Whose Interested?

Colum is too modest to mention that he built the Detroit Local Chapter into an outstanding unit while he was the Coordinator there.

I'm sure he'll be just as effective in getting a new Local Chapter going here, too.

Good luck to Colum and all the SC Bogleheads.
by Mel Lindauer
Sun Jun 09, 2013 6:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Greenville, SC Bogleheads - Whose Interested?
Replies: 4
Views: 422

Re: Help create a Financial Presentation: Calling all Bogleh

It's exciting to read this thread, since we had planned to try to produce and accumulate educational material for inclusion on The John C. Bogle Center for Financial Literacy's web site (if/when we get it up and running). It would be great to gather all the various presentations you folks put togeth...
by Mel Lindauer
Sun Jun 09, 2013 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 61
Views: 3390

Re: Annuity and other investment questions for an 81 year ol

• The information I could find online states it “in vests the deposits of plan participants as part of the general account assets of Standard Insurance Company . The general account includes its fixed income securities portfolio and commercial mortgage loan portfolio. The resulting Stable Asset Fun...
by Mel Lindauer
Sun Jun 09, 2013 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuity and other investment questions for an 81 year old
Replies: 8
Views: 869

Re: Math on EE bonds "one-time adjustment"

I'm trying to figure out how the math on Series EE bonds' "one-time adjustment" works. Since they are guaranteed to double in value in 20 years, the Treasury will make a one-time adjustment at the 20 year mark to ensure this happens. Currently, they are yielding .2%. Interest is compounde...
by Mel Lindauer
Sun Jun 09, 2013 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Math on EE bonds "one-time adjustment"
Replies: 7
Views: 779

Re: Math on EE bonds "one-time adjustment"

The first calculation was correct. Not sure what you are doing with the second one. The increase to 2X occurs only after 20 years. It appears he changed the interest rate for .2% to 2% for illustrations purposes and that accounts for the differences in values. I didn't run the numbers to confirm th...
by Mel Lindauer
Sun Jun 09, 2013 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Math on EE bonds "one-time adjustment"
Replies: 7
Views: 779

YOUR QUESTIONS FOR THE EXPERTS PANEL

Hello Everyone: On October 18, 2013, I'll have the pleasure of moderating a Q&A session with this year's Panel of Experts at Bogleheads 12 in Philadelphia. The Panel will consist of a number of authors and other financial experts. Some of the returning Panel members include authors Bill Bernstei...
by Mel Lindauer
Sun Jun 09, 2013 12:47 am
 
Forum: Investing - Theory, News & General
Topic: YOUR QUESTIONS FOR THE EXPERTS PANEL
Replies: 8
Views: 1022

Re: 720pete's responsible portfolio review question's

The good news is that you have something that you just can't get today (a high tax-deferred yield that's free from state and local taxation). The bad news is that they'll mature when you'll probably be in your peak earning years and thus in a high tax bracket. That's a tough call, but you could get ...
by Mel Lindauer
Wed Jun 05, 2013 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 720pete's responsible portfolio review question's
Replies: 6
Views: 361

Re: Boglehead guide to starting a new business

Sounds like you've got all the bases covered. Now it's time to just do it. I started a business in similar circumstances in 1967 and it's still a going concern into the second generation (I retired early and my two sons are now running the business).
by Mel Lindauer
Tue Jun 04, 2013 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead guide to starting a new business
Replies: 4
Views: 447

Re: All Stocks Anyone?

This thread has become the topic of a blog post on the WSJ web site (link below). Careful what you say because you may end up being quoted! :-) http://blogs.wsj.com/totalreturn/2013/06/03/is-it-crazy-to-be-100-in-stocks/ On that point, a poster going by the name “grabiner” noted, “… my standard adv...
by Mel Lindauer
Tue Jun 04, 2013 8:03 am
 
Forum: Investing - Theory, News & General
Topic: All Stocks Anyone?
Replies: 47
Views: 3436

Re: Recent book reviews.

Hi Taylor - thank you kindly for the link to our site! I'm glad my summary has been warmly received by the Bogleheads community. Life-Life Balance is made up of four authors, we're UK-based, although with strong travel ambitions. And yes, we're 20-somethings, with plenty more to learn! :wink: I thi...
by Mel Lindauer
Mon Jun 03, 2013 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Recent book reviews.
Replies: 7
Views: 718

Vanguard Lowers Fees

Not sure if this has been posted before or not. Good news about Vanguard lowering fees on four funds and 1 ETF.

http://www.morningstar.com/advisor/t/75 ... -1-etf.htm
by Mel Lindauer
Mon Jun 03, 2013 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers Fees
Replies: 0
Views: 590

Re: All Stocks Anyone?

This thread has become the topic of a blog post on the WSJ web site (link below). Careful what you say because you may end up being quoted! :-)

http://blogs.wsj.com/totalreturn/2013/0 ... in-stocks/
by Mel Lindauer
Mon Jun 03, 2013 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: All Stocks Anyone?
Replies: 47
Views: 3436

Re: Should You Trust Your Retirement To A Target Date Fund?

Here's a column I wrote for Morningstar nearly four years ago on this subject. The column was titled "Fixing Target-Date Funds".

http://news.morningstar.com/articlenet/ ... Id=2686718
by Mel Lindauer
Mon Jun 03, 2013 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Should You Trust Your Retirement To A Target Date Fund?
Replies: 34
Views: 3015

Re: Vanguard's New Bank Authorization Agreement

We have had many discussions about Vanguard security issues and questions. Now, Vanguard wants to change its authorization to access our bank accounts. No one has any comments on this? I would think this subject would be important to many Bogleheads. Since this change will broaden Vanguard's abilit...
by Mel Lindauer
Sat Jun 01, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's New Bank Authorization Agreement
Replies: 30
Views: 3026

Re: Top 1% Control 39% of World's Wealth

Non-actionable. This thread is locked.
by Mel Lindauer
Sat Jun 01, 2013 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Top 1% Control 39% of World's Wealth
Replies: 5
Views: 620

Re: Re:

Vanguard's Target Retirement Income Fund would be my choice. Mel, What is the reason for picking this one if you don't mind me asking. I have almost 50% in it now. Thanks, If the asset allocation (30% equities and 70% bonds) meets your desired asset allocation, then it's a nicely-diversified portfo...
by Mel Lindauer
Fri May 31, 2013 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 87
Views: 13079

Re: some lower vanguard fees

Please post your comments to the original thread that Gordon linked to above. This thread is locked.
by Mel Lindauer
Fri May 31, 2013 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: some lower vanguard fees
Replies: 2
Views: 488

Re: Am I on the right track?

This thread has run it's course and we're getting snarly responses. This thread is locked.
by Mel Lindauer
Fri May 31, 2013 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I on the right track?
Replies: 46
Views: 2647

Re: BOGLEHEADS 12 ANNOUNCEMENT

Last year we had a breakout session during the book signing, and it was well received, so we plan to do the same thing again this year with perhaps two breakout sessions. Hi Mel, Breakout sessions usually run in parallel, and participants can attend only one of them. Are you planning something like...
by Mel Lindauer
Fri May 31, 2013 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 51
Views: 10373

Re: BOGLEHEADS 12 ANNOUNCEMENT

Mel, I will be attending. Can I buy my brother a ticket? He expressed an interest recently but has not been on the web site. I think he would benefit greatly from hearing the speakers and talking to other Bogleheads. Sure you can. Just print out two registration forms (you did request the form, did...
by Mel Lindauer
Thu May 30, 2013 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 51
Views: 10373

Re: BOGLEHEADS 12 ANNOUNCEMENT

Any spots available? Are books available for purchase onsite or do we need to purchase elsewhere and bring along? Thanks Steve Yes, Steve, there are still some spots available if you act promptly. We've had more requests for registration forms than we have spots, but some of those folks still haven...
by Mel Lindauer
Thu May 30, 2013 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 51
Views: 10373

Re: CNBC ratings prove investors still just don't care.

Politics is off limits and we've got way to many political comments, so this thread is locked. [Political comments removed, thread remains locked. --admin LadyGeek. "In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited...
by Mel Lindauer
Thu May 30, 2013 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: CNBC ratings prove investors still just don't care.
Replies: 14
Views: 1141

Re: BOGLEHEADS 12 ANNOUNCEMENT

Has the possibility of adding breakout sessions around certain topics to the Bogleheads conference ever been considered? At other conferences which I have attended, I've found these sessions to be very useful and informative venues for sharing knowledge. Thank you to the organizers for coordinating...
by Mel Lindauer
Thu May 30, 2013 11:42 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 51
Views: 10373

Re: Cramer's 10 recommended stocks lost -90%

Bogleheads: In March of 2000, at the peak of a bull market, Mr. Bogle and Mr. Cramer were keynote speakers at a Miami Money Show. Mr. Bogle warned about the stock "bubble" and urged his listeners to maintain a healthy allocation to bonds. Mr. Bogle was followed by Jim Cramer. Mel and I st...
by Mel Lindauer
Wed May 29, 2013 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: "A Statistical Look at Jim Cramer's Skill Level"
Replies: 77
Views: 6226

Re: Healtcare costs

A number of violations of forum policy had to be removed from this thread. It's now locked. From the forum policy: New threads in each of these subforums must meet the following requirements - It must be personal. In other words, you must be asking about your own situation. You can also ask on behal...
by Mel Lindauer
Wed May 29, 2013 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Healtcare costs
Replies: 5
Views: 895

Re: Help! Treas Direct-No passcode to register computer

It always pays to check one's spam/junk mail folder in situations like this when you're expecting an immediate response and you don't get it. Oftentimes, it can be found there. I agree that 1/2 hour is a long time in a situation like this where the response normally comes promptly.
by Mel Lindauer
Wed May 29, 2013 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Treas Direct-No passcode to register computer
Replies: 3
Views: 291

Re: Year Round Living on a Sandy Beach

Hikes_With_Dogs wrote:I would never retire to Florida. It's extremely expensive as they tax assets. And I don't want to deal with hurricanes.


Don't know where you're getting your information, but hat's simply not true. And Florida doesn't have an income tax either.
by Mel Lindauer
Wed May 29, 2013 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Year Round Living on a Sandy Beach
Replies: 55
Views: 5019

Re: Personal Finance Press

The responses you've received all jive with my experiences, so you need to think long and hard before you put something out there that might come back to bite you later on. Some folks like to talk to the press, and others decline offers because of their privacy concerns. Once it appears in Kiplinger...
by Mel Lindauer
Tue May 28, 2013 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Press
Replies: 6
Views: 435

QUESTIONS FOR Q&A WITH JACK BOGLE

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 2013 Bogleheads Conference in Philadelphia on October 16-18, 2013. Many of you won't ...
by Mel Lindauer
Tue May 28, 2013 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: QUESTIONS FOR Q&A WITH JACK BOGLE
Replies: 13
Views: 1878

Re: Any reason not to exchange my TIPS holding for I Bonds?

I currently hold a TIPS fund (VIPSX) in my Roth and Traditional IRAs. I'm pretty tightly constrained on tax advantaged space and I just noticed that VIPSX's real yield is -1.05% whereas I Bonds purchased today come with a real yield of 0%. Is this the free lunch for small investors that it looks li...
by Mel Lindauer
Mon May 27, 2013 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason not to exchange my TIPS holding for I Bonds?
Replies: 10
Views: 1012

Re: New York City Local Chapter established

Mel - this page (http://www.bogleheads.org/forum/viewtopic.php?f=9&t=778#wrap) still doesnt display Chapter 55. Do you know why? It's a holiday. I've sent the information to the volunteer Boglehead who maintains the map, and he'll be adding your group as soon as he's able to do so. Once the map...
by Mel Lindauer
Mon May 27, 2013 7:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 89
Views: 4613

Re: "A Statistical Look at Jim Cramer's Skill Level"

Another great expose by Allan! I'm sending in my money for Allan's REMARC hedge fund. It will be a sure winner (it will do the exact opposite of Cramer's buy and sell recommendations). Allan will be a member of the Experts Panel at Bogleheads 12 in Philly in October. http://www.bogleheads.org/forum/...
by Mel Lindauer
Mon May 27, 2013 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: "A Statistical Look at Jim Cramer's Skill Level"
Replies: 77
Views: 6226

Re: New York city chapter

It's official. We now have a new Bogleheads Local Chapter in New York City. You are Local Chapter #55. Forum member quanuec (first name Tarun and email address - bogleheadnyc@gmail.com) has agreed to be the Local Chapter Coordinator. Feel free to use this Local Chapters sub-form to communicate with ...
by Mel Lindauer
Mon May 27, 2013 3:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 89
Views: 4613

Re: Best/Favorite ipad Apps

Check out Cubby for automatically synchronized cloud access to your computer files.
by Mel Lindauer
Sun May 26, 2013 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Best/Favorite ipad Apps
Replies: 23
Views: 2378

Re: New York city chapter

I am interested in meeting bogleheads near the New York city area. If there is sufficient interest in this thread, I will try and arrange a meetup. Please reply to this thread if you would be interested in meeting up. avram - thanks for your offer to help. I will write to you to ask for tips on set...
by Mel Lindauer
Sun May 26, 2013 5:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 89
Views: 4613

Re: Year Round Living on a Sandy Beach

Lon wrote:Living year round on a Sandy Beach would be a real grind. :)


Don't knock it until you've tried it. Many of us "Sandy Beach" folks feel like we've died and went to heaven.
by Mel Lindauer
Sun May 26, 2013 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Year Round Living on a Sandy Beach
Replies: 55
Views: 5019

Re: EE Savings Bonds worth holding?

I suppose if we ever get back to a more typical yield environment it'll make sense to rotate out of the .59 and .60 bonds. Unless it would be better to wait to they double "Treasury guarantees that an EE Bond will be worth at least its face value after the first 20 years. If an EE Bond does no...
by Mel Lindauer
Sun May 26, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE Savings Bonds worth holding?
Replies: 8
Views: 693

Re: Year Round Living on a Sandy Beach

JDaniels wrote:
chaz wrote:I second St. Augustine.


I third St. Augustine. We live 30 minutes north and we visit there often. Great beaches, restaurants and tons of character. The oldest city in the country.

Good luck!


I'll "fourth" St. Augustine. Lovely place with lots of charm and vitality.
by Mel Lindauer
Sun May 26, 2013 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Year Round Living on a Sandy Beach
Replies: 55
Views: 5019
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