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by Mel Lindauer
Sun May 24, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: Stemikger "Volatility is far from synonymous with risk."
Replies: 45
Views: 2108

Re: Stemikger "Volatility is far from synonymous with risk."

Missing from all of this discussion about deep risk and the need to own equities is any mention of the truly "safe" I Bonds which had a fixed rate of up to 3.6% over and above inflation. While they're no longer available, decent I Bond fixed rates were available for a while and those who l...
by Mel Lindauer
Sun May 24, 2015 12:41 pm
Forum: Personal Consumer Issues
Topic: Viking river Cruise - Budapest to Nuremberg
Replies: 10
Views: 1236

Re: Viking river Cruise - Budapest to Nuremberg

Did two different 11-day river cruises in France on Vantage (comparable to Viking). Definitely a very positive experience. Much prefer the river cruises to ocean cruises. Since they cruise the rivers as opposed to the ocean, you're in a different city every day and right in the heart of town, since ...
by Mel Lindauer
Sat May 23, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2016 Premium Increases some 36%
Replies: 40
Views: 2738

Re: ObamaCare 2016 Premium Increases some 36%

FINAL REMINDER: Keep posts about costs of pre-Medicare insurance costs or this thread will be locked. We're not interested in all these side issues that don't answer the OP's question.
by Mel Lindauer
Sat May 23, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2016 Premium Increases some 36%
Replies: 40
Views: 2738

Re: ObamaCare 2016 Premium Increases some 36%

Let's keep this thread focused on the medical costs as they apply to a pre-Medicare retiree.
by Mel Lindauer
Fri May 22, 2015 12:15 am
Forum: Forum Issues and Administration
Topic: Forum operating really slowly.
Replies: 10
Views: 587

Re: Forum operating really slowly.

Peculiar_Investor wrote:Since the OP reported the issue the website loading speed has returned to normal for me.


Back to normal for me, too.
by Mel Lindauer
Thu May 21, 2015 7:35 pm
Forum: Forum Issues and Administration
Topic: Forum operating really slowly.
Replies: 10
Views: 587

Re: Forum operating really slowly.

Same here. Almost unworkably slow.
by Mel Lindauer
Wed May 20, 2015 9:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 129
Views: 9799

Re: Master Thread for Metro Boston's Chapter (MA)

Ok, smarty scrubs got me here... :wink: Here is a corrected list. Updated roll call for our coming meeting on May the 30th in Waltham. See logistics here: https://www.bogleheads.org/forum/viewtopic.php?f=9&t=152268&p=2479142#p2471598 Here is a list of individuals who gave me a clear indicat...
by Mel Lindauer
Wed May 20, 2015 8:27 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle Q&A @ Bogleheads Conference
Replies: 25
Views: 3424

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

Got a question for Jack Bogle? Now's your chance.

Fire away. Multiple questions are allowed.
by Mel Lindauer
Mon May 18, 2015 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Apple and Google Cars
Replies: 3
Views: 414

Re: Apple and Google Cars

This thread is locked for Moderator review.
by Mel Lindauer
Sun May 17, 2015 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Surrender annuities and take penatly better than sitting it out?
Replies: 14
Views: 992

Re: Surrender annuities and take penatly better than sitting it out?

Yep, it's 10%. Here's the breakdown Surrender charge percentages that apply to my contract (first number is duration of contract second is the surrender charge percentage) 1 10% 2 10% 3 10% 4 8.74% 5 7.5% 6 6.25% 7 5% 8 3.75% 9 2.5% 10 1.25% 11+ 0% The reason the surrender fee is so high is because...
by Mel Lindauer
Sun May 17, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Surrender annuities and take penatly better than sitting it out?
Replies: 14
Views: 992

Re: Surrender annuities and take penatly better than sitting it out?

Yep, a valuable and expensive lesson. I've been trying to figure out what the difference would be with different options (keeping the annuity--not going to happen, but I wanted to see), taking it all out in one big surrender, or taking out 10% each year (which I can do fee-free). It's confusing and...
by Mel Lindauer
Sun May 17, 2015 2:17 pm
Forum: Investing - Theory, News & General
Topic: THANK YOU Bogleheads!
Replies: 9
Views: 1642

Re: THANK YOU Bogleheads!

I just finished sending my clients an e-mail indicating that I will no longer accept new assignments starting in six weeks. I hope to be finished with all projects some time early next year. The work week should taper off quickly between now and then. I have been reading this board regularly since ...
by Mel Lindauer
Sun May 17, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 3757

Re: MediCare and ? What are your out of pocket costs please.

IMO, you should plan for all in costs of around $1000 per month or $10-$12000 per year. Would this be $1K/month for one person or two people? That's an average year for the two of us. However, if you have a year where you need some serious dental work, you can go way above that number. As predicted...
by Mel Lindauer
Sat May 16, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Surrender annuities and take penatly better than sitting it out?
Replies: 14
Views: 992

Re: Surrender annuities and take penatly better than sitting it out?

Thanks. Been reading the contracts for hours now and I think my head will explode soon. I can't take out anything penalty free until July (but that's not too far away). I think I will do 10% out of each annuity then and after that ask for a complete surrender of the other 90%. I'll revisit all my t...
by Mel Lindauer
Fri May 15, 2015 10:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 1872

Re: Happy Birthday Mr. Bogle

stemikger wrote:
Kathleen Ryan wrote:Hi stemikger,

You wrote, "Do you think Jack will see this!! I hope so!!"

Oh yes! Mr. Bogle sees everything. 8-)


+1000. I just read Jack's reply! Simply Awesome!!!


Yes, Kathleen knows Jack. :happy
by Mel Lindauer
Fri May 15, 2015 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Surrender annuities and take penatly better than sitting it out?
Replies: 14
Views: 992

Re: Surrender annuities and take penatly better than sitting it out?

You should be able to take out the 10% allowable penalty-free and then surrender the other 90% in a second step which would incur the 10% surrender fee. As grabiner correctly pointed out, the long-term cost of continuing to pay the annual higher expenses would be higher than the penalty. And, the pr...
by Mel Lindauer
Fri May 15, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ibond vs Van.Inter.term.tax.exempt.fund(VWITX) for Efunds
Replies: 9
Views: 728

Re: Ibond vs Van.Inter.term.tax.exempt.fund(VWITX) for Efunds

You might also look at Vanguard's new Ultra-Short Term Bond Fund (VUSFX). Low risk and currently paying .58%.
by Mel Lindauer
Fri May 15, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: passport card faster than passport?
Replies: 32
Views: 1977

Re: passport card faster than passport?

I got both the book and the passcard. I use the passcard to and from Canada and the book on out-of-country travel.
by Mel Lindauer
Wed May 13, 2015 9:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads® Wiki 2015 annual report
Replies: 2
Views: 500

Re: Bogleheads® Wiki 2015 annual report

You and your merry wiki crew have done (and continue to do) an awesome job, Barry. The great thing about the wiki is that it reaches not only the Bogleheads forum members, but far beyond the Bogleheads Community. Kudos to you and all those who have contributed to this online library of unbiased fina...
by Mel Lindauer
Tue May 12, 2015 7:07 am
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1575

Re: Florida Homeowners Insurance

I use a company called Arch Royal. I believe they only insure newer homes (built in 2003 or later). The challenge with older homes in florida is that the building codes were more lax, and as a result, the homes are more susceptible to hurricane damage. My understanding about Citizens is that they a...
by Mel Lindauer
Mon May 11, 2015 8:55 pm
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1575

Re: Florida Homeowners Insurance

I use a company called Arch Royal. I believe they only insure newer homes (built in 2003 or later). The challenge with older homes in florida is that the building codes were more lax, and as a result, the homes are more susceptible to hurricane damage. My understanding about Citizens is that they a...
by Mel Lindauer
Mon May 11, 2015 7:55 pm
Forum: Investing - Theory, News & General
Topic: "Why Would an Experienced Investor Buy a Target-Date Fund?"
Replies: 38
Views: 4605

Re: "Why Would an Experienced Investor Buy a Target-Date Fund?"

I would use one in tax deferred if it were possible for them to also exist with munis for taxable. Now if that ever changes, I will jump on it. I too would jump for munis......do you have any influence with Vanguard ?? :happy 1210 Replacing the bond portion of each TR fund with munis could certainl...
by Mel Lindauer
Mon May 11, 2015 7:39 pm
Forum: Personal Consumer Issues
Topic: Cell phone question I need a cell phone one month a year but I will not have access to it the rest of the year. Can I do
Replies: 4
Views: 581

Re: Cell phone question I need a cell phone one month a year but I will not have access to it the rest of the year. Can

I have a couple small samsung T137 flip phones and have them turned off and unplugged for months at a time and there is charge whenever I turn it on. There may be some slow drain on the battery even if powered down. You should charge a day or two before you need to use the phone again, just to make...
by Mel Lindauer
Mon May 11, 2015 3:59 pm
Forum: Investing - Theory, News & General
Topic: "Why Would an Experienced Investor Buy a Target-Date Fund?"
Replies: 38
Views: 4605

Re: "Why Would an Experienced Investor Buy a Target-Date Fund?"

Unfortunately, this doesn't protect you from the fund provider tinkering with the allocation, and the fund providers are under pressure to make their allocations attractive to new investors. Even Vanguard, or should I say especially Vanguard, changes their target date funds far more often than I ch...
by Mel Lindauer
Mon May 11, 2015 2:40 pm
Forum: Forum Issues and Administration
Topic: Seach posts gone? [Searching for old posts]
Replies: 6
Views: 458

Re: Seach posts gone?

I wasn't very clear. We used to have a live link that would bring up an individuals (my) recent posts. That feature appears to be gone. Paul Hi Paul: There's more than one way to skin a cat. You can also click on any user name (including your own) and it will bring up an option to "Search user...
by Mel Lindauer
Mon May 11, 2015 1:04 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 202
Views: 9108

Re: Forum software upgrade bug reports and change requests

Mel, while you can send a new PM via the method you describe, on a smartphone you don't have access to the "Contact:" dropdown that allows you to send a PM quoting the specific post. I'm pretty sure that is the functionality that The Wizard and Mudpuppy are pointing out as missing. OK, I ...
by Mel Lindauer
Mon May 11, 2015 12:49 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 202
Views: 9108

Re: Forum software upgrade bug reports and change requests

I'm using my smartphone on the site with the mobile version. I wanted to send someone a PM related to a specific post and couldn't do it. Please enable proper response to the Request Desktop Site function... On my Android Note 4 smartphone, I can send a PM or email by clicking on the person's name....
by Mel Lindauer
Mon May 11, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: "Why Would an Experienced Investor Buy a Target-Date Fund?"
Replies: 38
Views: 4605

Re: "Why Would an Experienced Investor Buy a Target-Date Fund?"

Bogleheads: Mike Piper, editor of the The Oblivious Investor ("oblivious" to the media), has written this very insightful article about the advantages of Target-Date funds: Why Would an Experienced Investor Buy a Target-Date Fund? Best wishes. Taylor Well done, Mike. Couldn't agree more w...
by Mel Lindauer
Mon May 11, 2015 10:37 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 202
Views: 9108

Re: Forum software upgrade bug reports and change requests

I'm using my smartphone on the site with the mobile version. I wanted to send someone a PM related to a specific post and couldn't do it. Please enable proper response to the Request Desktop Site function... If you are referring to the mobile app, that's an unauthorized commercial site and the owne...
by Mel Lindauer
Mon May 11, 2015 10:01 am
Forum: Forum Issues and Administration
Topic: Bogle Mobile Android not working
Replies: 3
Views: 230

Re: Bogle Mobile Android not working

Up until last week I was able to read posts on my Android phone using the Bogle Mobile app. Sometime last week the posts/threads would no longer open, which makes the app useless. Is this a known issue? I uninstalled the app and reinstalled it, but that did not help. I cleared the cache, and that d...
by Mel Lindauer
Sat May 09, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Question on rmd
Replies: 3
Views: 564

Re: Question on rmd

If I decide to take my first rmd by April of 2016 even though I will be 70 1/2in 2015, does that mean I will have to to take two years of distributions in 2016? The 2015 and 2016? Yes, and that's why we normally recommend taking the first distribution in the year you actually turn 70 1/2, rather th...
by Mel Lindauer
Sat May 09, 2015 8:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Phoenix/Scottsdale Chapter Meetup
Replies: 5
Views: 524

Re: Phoenix/Scottsdale Chapter Meetup

Good Afternoon: I recently moved to Scottsdale from Des Moines, IA. I coordinated the meetings for the Des Moines Chapter and really enjoyed the social time with fellow Bogleheads. I wanted to put a post up to see if there was any interest in a meeting in the Scottsdale area in the next month or so...
by Mel Lindauer
Fri May 08, 2015 3:29 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds: A financial innovation that's working
Replies: 11
Views: 1892

Target Date Funds: A financial innovation that's working

Because of poor behavior, investors have traditionally underpeformed the very funds they own. Now there's finally a category where that's no longer true, and it's the Target Date Funds. On average, target-date fund investors are doing 1.1 percent better per year than their funds. Investors in almost...
by Mel Lindauer
Fri May 08, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 1901

Re: Author Advice - Advantages/Disadvantages of Co-author

FWIW, here is the sequence I use when I'm doing a book. YMMV. 1. Think about what you want to say. 2. Throw some bullet ideas on the page (or the computer screen). 3. Arrange the bullet points in a logical sequence. 4. Start to flesh out each point. Tell your readers what you're going to tell them, ...
by Mel Lindauer
Fri May 08, 2015 12:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 1872

Re: Happy Birthday Mr. Bogle

A very happy birthday to you, Jack. Looking forward to many, many more. See you in October.

Best regards,

Mel
by Mel Lindauer
Fri May 08, 2015 12:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 1872

Re: Happy Birthday John C. Bogle !

This is a duplicate thread, so I'm locking this one. Post your birthday wishes to Jack on the earlier thread here:

viewtopic.php?p=2484378#p2484378

[Thread merged, see below. --admin LadGeek]
by Mel Lindauer
Fri May 08, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Guide - in Spanish?
Replies: 9
Views: 635

Re: The Bogleheads' Guide - in Spanish?

I believe having a Spanish translation would be a HUGE opportunity to reach a new audience of potential investors, especially for a group in the USA which really could benefit from increased personal financial literacy. Speaking with several Latin-American people, including some of my family, there...
by Mel Lindauer
Thu May 07, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Interviewed about 403(b) plans and Published on M*
Replies: 6
Views: 657

Re: Boglehead Interviewed about 403(b) plans and Published on M*

sschullo wrote:Thanks so much Taylor for your message of encouragement.


Keep up the good fight, Steve. And give my best to Dan.
by Mel Lindauer
Wed May 06, 2015 10:34 am
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 2413

Re: UI issues (especially iPad)? please evaluate alternate styles

The current style choice works well for me on my computer, my iPad (in both portrait and landscape modes) and on my Android Note 4 phone. It's what I used before, so I hope it doesn't change as the default. Adding one or more additional options is fine, but please don't take this one away as the def...
by Mel Lindauer
Tue May 05, 2015 7:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: There's Now a Local Chapter in Nashville & Mid TN
Replies: 5
Views: 792

Re: Any groups in Nashville, TN??

It's official. Jupiter Jones has stepped up and agreed to be the Middle TN Local Chapter coordinator. You can chat with each other here on this sub-forum or you can contact Jupiter at MidTNBogleheads@gmail.com.

Good luck to the Nashville and Middle TN Bogleheads.
by Mel Lindauer
Mon May 04, 2015 7:24 pm
Forum: Investing - Theory, News & General
Topic: Zweig's Latest Blog Post/Column (Bogle vs. Grant Debate)
Replies: 16
Views: 3223

Re: Zweig's Latest Blog Post/Column (Bogle vs. Grant Debate)

And here's a link to the Bogle/Grant debate that doesn't require a WSJ subscription:

http://www.wsj.com/articles/bogle-vs-gr ... 1430709409
by Mel Lindauer
Mon May 04, 2015 7:19 pm
Forum: Investing - Theory, News & General
Topic: Zweig's Latest Blog Post/Column (Bogle vs. Grant Debate)
Replies: 16
Views: 3223

Re: Zweig's Latest Blog Post/Column (Bogle vs. Grant Debate)

Jason is a good friend of the Bogleheads. In fact, he was a featured speaker at our 2001 Bogleheads Conference when he was still at Money magazine. He did a nice five-page story with lots of pics in Money magazine titled "Here Come the Bogleheads". Jason has archived that story in pdf form...
by Mel Lindauer
Mon May 04, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: NFCU Military Appreciation Month
Replies: 3
Views: 452

Re: NFCU Military Appreciation Month

This duplicate thread is locked.

The previous thread on this is here viewtopic.php?p=2478085#p2478085
by Mel Lindauer
Mon May 04, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: Another Vexing Extension Cord Question
Replies: 16
Views: 1426

Re: Another Vexing Extension Cord Question

This thread is locked for Moderator review.
by Mel Lindauer
Mon May 04, 2015 2:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: There's Now a Local Chapter in Nashville & Mid TN
Replies: 5
Views: 792

Re: Any groups in Nashville, TN??

All you need is a couple of more Nashville-area Bogleheads to chime in and one of you to agree to be the Local Chapter coordinator and I'll set you up as a new Local Chapter. (The coordinator doesn't have to be an investing guru. Rather, he/she just communicates with the members right here on the Lo...
by Mel Lindauer
Sun May 03, 2015 5:42 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 202
Views: 9108

Re: Forum software upgrade bug reports and change requests

TomatoTomahto wrote:Mel, are you using the iPad in portrait or landscape mode?


Hi TT:

I tested both. The typeface is a bit larger (but appropriately-sized) in landscape than it is in portrait, which is what you'd expect.

FWIW, I have the iPad with Retina display but not the latest iOS.
by Mel Lindauer
Sun May 03, 2015 2:32 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 202
Views: 9108

Re: where is the symbol to enlarge?

Hi, I used to click on the "A" in the top corner to enlarge the font size... is that no longer available? I cannot find it anyplace now. Thanks .... It's gone. You have to use the browser to change font sizes now. CTRL+ (or Option+) will usually make the font larger. CTRL- (or Option-) ma...
by Mel Lindauer
Sat May 02, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: Effects of smart cars and driverless cars
Replies: 3
Views: 264

Re: Effects of smart cars and driverless cars

This thread is locked as non-actionable.
by Mel Lindauer
Thu Apr 30, 2015 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: A big Thank you to this forum
Replies: 1
Views: 667

Re: A big Thank you to this forum

SO after discovering this forum, and being pretty narrow minded, i switched my assets to a vanguard ROTH IRA brokerage account, i closed my ROTH with sharebuilder. Vanguard got the funds transferred from my bank the same day, and was able to make a purchase that same day commission free, i feel rea...
by Mel Lindauer
Tue Apr 28, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: Tips on travel to Bermuda?
Replies: 11
Views: 1231

Re: Tips on travel to Bermuda?

Hi Bogleheads, wife and i are thinking of a 5-7 day trip to Bermuda for my 40th birthday. looking at traveling over labor day week. We would be flying out of Charlotte, not a cruise but will just fly there and spend a few days. Any suggestions on affordable ways to travel there, times to go/not go,...

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