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Re: Seeking Advice on MetLife VA Annuity

dhodson wrote:Mel's post should say 1035 exchange

Also keep in mind that while the transfer does not incur any taxes, you are still just delaying taxes with gains being taxed as income when dealing with insurance products.


Thanks for catching that typo. I corrected my post.
by Mel Lindauer
Tue Oct 21, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice on MetLife VA Annuity
Replies: 11
Views: 644

Re: Seeking Advice on MetLife VA Annuity

Thanks for the great advice. I worked on this a bit more today. I determined that it is a qualified IRA. My surrender charges are 4%, and my annual fees total 3.91%. It seems to make sense to just transfer this money to a Vanguard IRA account and go from there. That makes thing a whole lot simpler....
by Mel Lindauer
Tue Oct 21, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice on MetLife VA Annuity
Replies: 11
Views: 644

Re: Seeking Advice on MetLife VA Annuity

Thanks Mel! I was trying to determine how long it would take me to make my money back. I can handle two years, and will sleep better at night once everything has been migrated over to Vanguard. Another question for anyone who might know. The annuity is in an IRA. If I transfer it to a Vanguard IRA ...
by Mel Lindauer
Tue Oct 21, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice on MetLife VA Annuity
Replies: 11
Views: 644

Re: Reporter doing story on PIMCO in 401k

Anyone fit the profile who wants to be interviewed?
by Mel Lindauer
Tue Oct 21, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on PIMCO in 401k
Replies: 4
Views: 720

Re: "Individual Retirement Annuity", Dump or what?

Annuities are usually sold, not bought and almost always come with very high fees. IMO, it should be against the law to put a high-cost tax-deferred annuity inside an already tax-deferred retirement account.
by Mel Lindauer
Mon Oct 20, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Individual Retirement Annuity", Dump or what?
Replies: 9
Views: 579

Re: Have Ibonds do we need Tips

My wife and I have about 120k in Ibonds,age 62 and 64.I was planning on buying the max until the first one of us hits 70 which would give us another 140,000.I would think that is more than enough inflation protection,or is it better to diversify with tips and not buy more ibonds?My wife has one we ...
by Mel Lindauer
Mon Oct 20, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Have Ibonds do we need Tips
Replies: 5
Views: 848

Re: Seeking Advice on MetLife VA Annuity

Hello Bogleheads, Newbie poster here. Thanks so much in advance for your insights. This is an amazing resource and an impressive community of generous, knowledgeable people. :happy I am in the process of learning investing basics so I can fire my FP and do it myself. I have a non qualified IRA in a...
by Mel Lindauer
Mon Oct 20, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice on MetLife VA Annuity
Replies: 11
Views: 644

Re: online shopping for laptop PC

I'm on the road (for the 2014 Bogleheads Conference), so I'm using my Chromebook, which I use when traveling. As long as you have an internet connection, it will work fine for just about everything.
by Mel Lindauer
Mon Oct 20, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 18
Views: 839

Reporter doing story on PIMCO in 401k

Hi Everyone: This request is from a known reporter for a national publication. If you fit the profile and wish to be interviewed for the story, please contact me via PM and provide me with your name, your email address and your phone #. I'll pass that along, and the reporter will be in touch with yo...
by Mel Lindauer
Mon Oct 20, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on PIMCO in 401k
Replies: 4
Views: 720

Re: 2014 Annual Conference Bogleheads Vegans & Vegetarians

For security reasons, please DO NOT mention the Conference hotel/area or discuss any restaurants by name.
by Mel Lindauer
Sun Oct 19, 2014 3:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2014 Annual Conference Bogleheads Vegans & Vegetarians
Replies: 8
Views: 631

Re: How does one hedge against deflation?

I Bonds work well in both inflationary and deflationary periods. Since the composite rate on I Bonds can never go below 0%, the greater the rate of DEflation, the higher the REAL return will be.
by Mel Lindauer
Sun Oct 19, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: How does one hedge against deflation?
Replies: 48
Views: 3222

Re: Allan Roth

Allan will be a Panel member on one of the Experts Panels at our 2014 Bogleheads Conference in Philly next week.
by Mel Lindauer
Fri Oct 17, 2014 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Allan Roth
Replies: 9
Views: 1584

Re: buy Ibond this month or next?

fred9x wrote:Any views on whether the fixed portion will be higher next month?

Thanks


There's no way to know in advance what the fixed rate will be. Perhaps you might consider buying $5k this month and $5k next month to hedge your bet.
by Mel Lindauer
Fri Oct 17, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: buy Ibond this month or next?
Replies: 7
Views: 1122

Re: Q&A WITH JACK BOGLE ...

I was interested in the questions and comments in this post and wanted to know if there is a way to view the responses online? thanks Don A transcript as well as a video version will be available after the Conference is completed and the volunteers have had time to produce the transcript and the vi...
by Mel Lindauer
Fri Oct 17, 2014 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Q&A WITH JACK BOGLE ...
Replies: 1
Views: 379

Re: Are Vanguard's target-retirement funds too aggressive?

1. Determine the asset allocation breakdown you're comfortable with (stocks/bonds).
2. Ignore the date in the name and pick the Target Date fund that matches your desired asset allocation.

That's it.
by Mel Lindauer
Fri Oct 17, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1701

Re: Dashlane App - Recommened or Not?

rakornacki1 wrote:Does anyone have experience or recommendation on the 'Dashlane' App.?
Is it truly as secure for passwords' storage as it advertises?
Or, are there other password storage apps that are better?
Thank you.


Works well for me.
by Mel Lindauer
Mon Oct 13, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Dashlane App - Recommened or Not?
Replies: 4
Views: 368

Re: I Bonds - Best redemption strategy

... are we setting ourselves up for a huge tax bill if we hold all of [early I Bonds with big fixed rates] to maturity? Is it better to begin redeeming them slowly, say 10% per year beginning at year 20? Here's an example of a $10,000 I Bond with 3.40% Fixed Rate Purchased January 2000 where $1,000...
by Mel Lindauer
Sun Oct 12, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1374

Re: Most cost effective means of protecting physical assets

This thread has run it's course and is locked.
by Mel Lindauer
Mon Oct 06, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 56
Views: 5005

Re: EE bonds to establish a retirement floor

You could change $10K iBonds and $10K EE bonds to $20K EE bonds until age 49 and then $20K iBonds until 59. This would allow you to use full EE bond amounts until 69. Then you can use iBonds in any amount after 70 since there are not any early redemption issues after 5 years. Also, you have a much ...
by Mel Lindauer
Mon Oct 06, 2014 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE bonds to establish a retirement floor
Replies: 16
Views: 967

Re: EE bonds to establish a retirement floor

You could change $10K iBonds and $10K EE bonds to $20K EE bonds until age 49 and then $20K iBonds until 59. This would allow you to use full EE bond amounts until 69. Then you can use iBonds in any amount after 70 since there are not any early redemption issues after 5 years. Also, you have a much ...
by Mel Lindauer
Mon Oct 06, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE bonds to establish a retirement floor
Replies: 16
Views: 967

Re: Can I open up a Roth IRA for my 6 year old?

I have read through the site and still don't know the correct answer. Some say the child has to earn income. I would just like to open up a Vanguard UGMA/UTMA account, put $5500 in it and let it sit for 50 years. Someone else commented that perhaps opening up a Roth in parent name putting the child...
by Mel Lindauer
Sun Oct 05, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Can I open up a Roth IRA for my 6 year old?
Replies: 32
Views: 3156

Re: Optimum # of Funds in a Portfolio ?

One fund could actually do it just fine (the appropriate Vanguard Target Retirement fund).
by Mel Lindauer
Sun Oct 05, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: Optimum # of Funds in a Portfolio ?
Replies: 17
Views: 1506

Re: Medicare Part D (Prescriptions), changing plans

midareff wrote:... On the other hand AARP United Health Medical Supplement has been flawless.


Glad to hear that since that's who we just switched to for our supplemental policies.
by Mel Lindauer
Sat Oct 04, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1703

Re: Medicare Part D (Prescriptions), changing plans

It's about that time of the year to make any changes if necessary. So, is anyone changing providers ? As of last week, I will be changing from First Health Part-D (S5768-145) to Cigna (S5617-108). I think I will lower my annual costs about $300 and even more if I can get into their mail order progr...
by Mel Lindauer
Fri Oct 03, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1703

Re: Medicare Part D (Prescriptions), changing plans

It's about that time of the year to make any changes if necessary. So, is anyone changing providers ? As of last week, I will be changing from First Health Part-D (S5768-145) to Cigna (S5617-108). I think I will lower my annual costs about $300 and even more if I can get into their mail order progr...
by Mel Lindauer
Fri Oct 03, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1703

Re: Kindle update

BornInCA wrote:If one has a kindle e-book of the 1st edition, is there any way he/she can get an update to the 2nd edition for free or for discounted price?


You'd have to ask Amazon about that. We have no control over the distribution and pricing policies.
by Mel Lindauer
Thu Oct 02, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 47
Views: 7848

Re: "The Boglehead Investment Philosophy" is nearly timeless

Is anyone aware if The Bogleheads a) will be updating the Retirement Guide and b) plan on writing any additional books or updates? Abuss: I am unaware of additional Boglehead books or updates. The Boglehead Investment Philosophy is nearly timeless. Best wishes. Taylor I'm currently working with the...
by Mel Lindauer
Thu Oct 02, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 47
Views: 7848

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: 13
Views: 636

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: 3
Views: 595

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: 3398

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: 4856

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: 1061

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: 2098

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: 48
Views: 3930

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: 601

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: 1515

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: 1111

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: 202

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: 1515

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: 1515

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: 593

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: 2620

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: 9763

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: 2620

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: 28
Views: 2746

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: 28
Views: 2746

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: 28
Views: 2746

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: 505

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: 505

$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: 1399
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