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Re: Total Intl Dividends

This thread is locked. It's a duplicate thread. Please use the link in livesoft's post to respond.

[See below -- admin LadyGeek]
by Mel Lindauer
Thu Mar 26, 2015 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 34
Views: 2509

Re: Phased Retirement experience and Fidelity 401k rollover

I'm a long time fan of Vanguard, low cost index fund investing and have started to read this forum over the past month and decided "what the heck, this seems like a interesting investment group". I'm currently age 57 and have signed up for a Phased Retirement Plan with an exit date of May...
by Mel Lindauer
Thu Mar 26, 2015 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Phased Retirement experience and Fidelity 401k rollover
Replies: 1
Views: 147

Re: My deployed soldier is coming home!

My 20 year old son is coming home in 28 days after being deployed for 9 months somewhere fighting ISIS. He would like to invest around $50k when he comes home. I've been trying to read as much as I can on this site and a few others, as well as trying to read books that have been recommended. But I ...
by Mel Lindauer
Thu Mar 26, 2015 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: My deployed soldier is coming home!
Replies: 16
Views: 1288

Re: R.I.P. George-J

Sad news. We've lost one of our own. http://www.president.utoronto.ca/in-memory-of-professor-george-luste George posted here for years as George-J , member #3643 of this forum, over 170 posts here (with more than 2600 posts at our Canadian cousin FWF ), Bogleheads conference attendee multiple times...
by Mel Lindauer
Wed Mar 25, 2015 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: R.I.P. George-J
Replies: 3
Views: 1454

Re: Traveling WiFi

Mel, I have one like yours - I think it uses Sprnt's 3G network. I don't know if they are still available without a monthly fee - one version I know charged $4.95 a month. Its perfectly adequate for occasional usage. I used mine at work today to show my colleagues my new Acer Chromebook. I intend t...
by Mel Lindauer
Tue Mar 24, 2015 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 1966

Re: Traveling WiFi

It's possible that your cable or phone supplier has hot spots around the country. For example, my phone provider (AT&T) and my cable supplier (Bright House Network) both have hundreds of thousands of free access sites around the country. That's interesting Mel and was something that I vaguely k...
by Mel Lindauer
Tue Mar 24, 2015 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 1966

The Only S&P 500 Index Funds You Will Ever Need

Morningstar highlights the five best S&P 500 funds in a crowded field. Spoiler alert: Vanguard comes out on top!

http://www.morningstar.com/advisor/t/10 ... r-need.htm
by Mel Lindauer
Tue Mar 24, 2015 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: The Only S&P 500 Index Funds You Will Ever Need
Replies: 11
Views: 2654

What Happens When Vanguard Owns Everything?

Interesting Morningstar article on Vanguard's growth and dominance in the marketplace. Investors are getting the message we're putting out there.

http://www.morningstar.com/advisor/t/10 ... ything.htm
by Mel Lindauer
Tue Mar 24, 2015 5:46 am
 
Forum: Investing - Theory, News & General
Topic: What Happens When Vanguard Owns Everything?
Replies: 19
Views: 4573

Re: Traveling WiFi

It's possible that your cable or phone supplier has hot spots around the country. For example, my phone provider (AT&T) and my cable supplier (Bright House Network) both have hundreds of thousands of free access sites around the country.
by Mel Lindauer
Mon Mar 23, 2015 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 1966

Re: Traveling WiFi

I use the older version of Internet on the Go, a prepaid mifi device that was available at Walmart and other convenient places without a contract.
by Mel Lindauer
Sun Mar 22, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 1966

Re: Free Book! Fixing 403(b) Plans

Keep up the good fight, Steve.
by Mel Lindauer
Sun Mar 22, 2015 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Free Book! Fixing 403(b) Plans
Replies: 10
Views: 612

Re: MetLife Annuity

My mother recently inherited a MetLife Annuity that is paying 5-6% interest. She has the option of either keeping it as is or taking a lump sum. I have heard some members on this board suggest MetLife may not be so secure. She really would prefer the higher interest rate, but she does not want to l...
by Mel Lindauer
Wed Mar 18, 2015 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: MetLife Annuity
Replies: 9
Views: 1042

Re: Article: The Death of The Millionaire Next Door Dream

This thread is locked for moderator review.
by Mel Lindauer
Tue Mar 17, 2015 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Article: The Death of The Millionaire Next Door Dream
Replies: 20
Views: 5334

Re: Is There a Next Jack Bogle

Silence Dogood wrote:The Bogleheads will have to carry the torch.


Yes, and that's one of the stated missions of The John C. Bogle Center for Financial Literacy.
by Mel Lindauer
Tue Mar 17, 2015 5:44 am
 
Forum: Investing - Theory, News & General
Topic: Is There a Next Jack Bogle
Replies: 37
Views: 3806

Re: Whole Life Insurance as asset protection

3. Trusts can be established that protect individuals for a one-time cost that's much less than the ongoing cost of whole life. In another thread, DAPTs came up and were thought to cost $10k to setup and probably $5k/year to maintain. That doesn't really seem cheap for any trust smaller than 7 figu...
by Mel Lindauer
Tue Mar 17, 2015 5:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance as asset protection
Replies: 40
Views: 2944

Re: They're betraying Mr. Bogle

After moderator review, this thread will remain locked.
by Mel Lindauer
Mon Mar 16, 2015 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: They're betraying Mr. Bogle
Replies: 8
Views: 2341

Re: Annuity -SPIA

We are nearing retirement less than 3 years maybe much sooner (currently age 62 and 55) and at some point would like to purchase a SPIA to cover our bare bones expenses since we have no pension only personal investments. Currently payout rates are dismal for joint life somewhere around 5% or less. ...
by Mel Lindauer
Sun Mar 15, 2015 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annuity -SPIA
Replies: 9
Views: 715

Re: USAA Flexible Retirement Savings Annuity

You'd need to read the contract carefully. Each fixed annuity purchase is normally applied to a new "bucket" which would get a new current interest rate. I've been through this before, so unless the contract specifically states that you can add to the present contract AT THE SAME GUARANTEE...
by Mel Lindauer
Sun Mar 15, 2015 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: USAA Flexible Retirement Savings Annuity
Replies: 5
Views: 1101

Re: Improving the Lifestrategy Funds

fortyofforty wrote:
abuss368 wrote:Has this ever been discussed by Vanguard or communicated to Vanguard at any of the Bogleheads conferences?


:D Don't steal my thunder. I was going to ask this question in October! :sharebeer


So was I. :D
by Mel Lindauer
Sun Mar 15, 2015 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5267

Re: Whole Life Insurance as asset protection

Multiple people here say there are better ways but they don't list them. Anyone care to fill in the blanks? Buy term and invest the difference as has been stated countless times. The only assets whole life protect are the money changers. The OP's point is that his WL cash value is protected from ba...
by Mel Lindauer
Sun Mar 15, 2015 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance as asset protection
Replies: 40
Views: 2944

Re: Improving the Lifestrategy Funds

Mel can jump in and speak for himself, but I think he did mean for Vanguard to use, within the LS funds, the underlying Admiral Share Class funds. I can't for the life of me understand why Vanguard isn't using the lowest cost funds for all LifeStrategy investors, and passing on the cost savings. Th...
by Mel Lindauer
Sun Mar 15, 2015 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5267

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Curious, can anyone provide a ballpark estimate for the number of participants? 10, 100, 1000? I wonder if I can estimate from videos of previous conferences. :) We limit attendance to 200 in order to allow for more personal interaction. We don't want folks feeling they are attending a huge sportin...
by Mel Lindauer
Sun Mar 15, 2015 10:05 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: Improving the Lifestrategy Funds

As many others have stated, the only change I'd recommend is using the Admiral Share class of the underlying funds to lower the ER. Hi Mel, Is this possible? Could Vanguard create a Admiral share class if it held Admiral shares in the underlying funds? It wouldn't have to be an Admiral share class ...
by Mel Lindauer
Sun Mar 15, 2015 12:55 am
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5267

Re: If I Knew Then What I Know Now

Well done, Michael.

Now forum members might understand why Taylor and I were thrilled when Michael agreed to join us as a co-author on our first book, The Bogleheads' Guide to Investing.
by Mel Lindauer
Sun Mar 15, 2015 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 51
Views: 7265

Re: Mutual Funds or Variable Annuity?

It sounds like the FA may be pushing an Indexed annuity. Here's a Forbes column I did about these (IMO) god-awful things. http://www.forbes.com/2010/08/10/truth-about-equity-indexed-annuities-personal-finance-bogleheads-view-lindauer.html Pay special attention to the Investor Alert that the authorit...
by Mel Lindauer
Sat Mar 14, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Funds or Variable Annuity?
Replies: 11
Views: 837

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

fortyofforty wrote:I'm in the same boat. Come on, USPS, deliver that check! :D


Your check arrived in time and you'll be getting a confirmation email shortly. You got in under the wire!
by Mel Lindauer
Sat Mar 14, 2015 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: Improving the Lifestrategy Funds

As many others have stated, the only change I'd recommend is using the Admiral Share class of the underlying funds to lower the ER.
by Mel Lindauer
Sat Mar 14, 2015 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5267

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Did you need to receive payment before counting someone as registered? Or as long as we filled out the form and put the check in the mail were we counted? My wife and I registered before it sold out, but our payment is still on its way. :| Thanks in advance for your reply! You made the cut. You're ...
by Mel Lindauer
Sat Mar 14, 2015 11:08 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

SORRY FOLKS, BUT WE'RE SOLD OUT. REGISTRATION IS CLOSED.
by Mel Lindauer
Sat Mar 14, 2015 9:48 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Last Call. Let's see who's going to be the lucky Boglehead who gets the very last spot. That's right, folks, we're down to just one spot left so it looks like I'll be shutting it down sometime Saturday.
by Mel Lindauer
Fri Mar 13, 2015 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: American Funds beats the market 97% of the time?

Hi Folks, I've been reading the forum for the a few months have started investing all new money into Vanguard. I started talking with my financial planner that my wife and I would like to move our (small) portfolio away from American Funds and into Vanguard. He asked to meet first and showed me thi...
by Mel Lindauer
Fri Mar 13, 2015 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5205

Re: Vanguard Diehards Alumni

I recall Taylor and others helping with an asset allocation for the IRA. After my first post I received very helpful advice from Taylor, Mel and Bob Stowe. I was impressed by their kindness and quality of recommendations. Victoria RIP Rev. Bob Stowe. He was a gentle soul who loved helping others.
by Mel Lindauer
Fri Mar 13, 2015 11:07 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Vanguard Diehards Alumni
Replies: 23
Views: 1201

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I really want to go to this, but my wife and I are both vegan for the past 10 years. Might there possibly be vegan-friendly meal options? Or would it be possible to pay a bit less and forego the meals if it's all stuff we can't eat? Thank you! We have had (and will have) a number of vegans in atten...
by Mel Lindauer
Fri Mar 13, 2015 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

It's amazing how quickly the conference is filling up this year. The speed of enrollment is a clear case of the past results predicting future performance. Victoria Yes, Victoria, we're getting close to being sold out. Will likely be shutting down registration and hanging out the "SOLD OUT&quo...
by Mel Lindauer
Fri Mar 13, 2015 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: BOGLEHEADS 13 VIDEOS

Thanks to our "official Boglehead videographer", Dr. Rich Guerra, who also happens to be a well-known cardiologist in real life. The volunteer contributions you've made to the Bogleheads Community are much appreciated, Rich. Hopefully it will make it seem even more worthwhile, knowing that...
by Mel Lindauer
Wed Mar 11, 2015 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 13 VIDEOS
Replies: 9
Views: 2427

Re: Taiwan Local Chapter

Today I registered for the 2015 Bogleheads Conference in Oct. Hope my check arrive in time. Any Bogleheads in Taiwan interested in this event? Being able to see Mr. Bogle in person and collecting investing wisdom from many finanacial experts, it is definitely worth the trip. Looking forward to seei...
by Mel Lindauer
Tue Mar 10, 2015 11:30 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 72
Views: 8357

Re: Is this the best investment strategy ever devised?

This thread is locked. Non-actionable.
by Mel Lindauer
Tue Mar 10, 2015 6:27 am
 
Forum: Investing - Theory, News & General
Topic: Is this the best investment strategy ever devised?
Replies: 2
Views: 790

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Mel, What's the count at? I need to check in at work tomm to see if that time is available for me to go. Thanks. We're getting pretty close to shutting down the registration process, possibly within the next few days. Just waiting for folks who registered to pay and once we reach our paid number, w...
by Mel Lindauer
Mon Mar 09, 2015 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: Will you buy an Apple Watch?

Nope. I don't wear a watch, and even if I did, a watch isn't going to increase the physical activities I'm already doing on a regular basis. My phone does everything else I need. Besides, it's way much too expensive for a watch, anyway (except, perhaps, for Petro). Can you imagine paying $10,000+ fo...
by Mel Lindauer
Mon Mar 09, 2015 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 318
Views: 15862

Re: Evernote Premium Worth It?

I use OneNote on my two Win 8.1 devices, my iPad and my Android Note 4 phone. Synchs across all devices flawlessly. Love it and wouldn't leave home without it. Nothing like a free-form "database". (I remember the old rigid data storage programs where you needed a pre-defined "field&qu...
by Mel Lindauer
Mon Mar 09, 2015 10:31 am
 
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 2109

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

x35864 wrote:Thanks, Mel. I look forward to hearing about the conference on the forum.


Thank you for your service. Let's hope things settle down and you don't have to deploy.
by Mel Lindauer
Mon Mar 09, 2015 10:20 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: Sacramento, CA Area Bogleheads

OK, it's official. Greg (digarei) has stepped forward and agreed to the Sacramento Local Chapter coordinator. Your Sacramento group will be Local Chapter #61 and will be added to the Local Chapters Map. You're in business! You can use this sub-forum to communicate with each other. All the best to th...
by Mel Lindauer
Mon Mar 09, 2015 2:15 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Bogleheads
Replies: 29
Views: 4275

Re: SACRAMENTO, CA AREA BOGLEHEADS

Snapper wrote:Has anyone agreed to be moderator ?


I've had a discussion with one member who may well agree to be the chapter coordinator. I'm just waiting to hear back with the final decision.
by Mel Lindauer
Sun Mar 08, 2015 10:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Sacramento, CA Area Bogleheads
Replies: 29
Views: 4275

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I really want to go, but I'm waiting on word for a potential deployment to Operation Atlantic Resolve (thank you, Vladimir Putin). Are there any last minute drawings closer to the conference? Sorry, but I expect we'll be sold out within a week or so (just waiting for more checks to arrive). We don'...
by Mel Lindauer
Sun Mar 08, 2015 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Fair Warning: As of today, we're already at 75% of capacity, so if you're planning to attend, you're going to have to register and pay promptly before we're totally sold out. We're not able to increase capacity and there won't be a wait list.
by Mel Lindauer
Sat Mar 07, 2015 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: Does My Daughter Need A Prenup?

This thread has run its course and is locked.
by Mel Lindauer
Fri Mar 06, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 5799

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I wouldn't say that the conference is "geared" toward anyone in particular. The hosts take extra care of the first-timers, but the overall feel of the conference is so homey, I can't imagine anyone feeling left out. The educational sessions reinforce (from experts) what you read in the fo...
by Mel Lindauer
Fri Mar 06, 2015 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 68
Views: 8284

Re: Wade Pfau backs away from the rising glidepath rec?

This thread is locked (it's a duplicate thread). Please post your comments on the original thread linked above.
by Mel Lindauer
Fri Mar 06, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau backs away from the rising glidepath rec?
Replies: 4
Views: 724

Re: Protect rollover IRA from potential lawsuit

Hello I was planning on transferring two of my old employer 401k account to Vanguard so I can use their low funds and consolidate into one institution. However one of the advisers mentioned that Rollover IRA are protected from creditors, but not from any future personal lawsuits. Whereas because of...
by Mel Lindauer
Fri Mar 06, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Protect rollover IRA from potential lawsuit
Replies: 41
Views: 4066

Re: "Money is freedom."

Thanks for your effort, Allan. Your column certainly resulted in a surge of petition signers. Sadly, it doesn't look like we're going to reach 100,000 unless we get a tsunami of sigs in the next few days. I'm saddened to see that so few of the 43,000+ members of this forum have signed the petition....
by Mel Lindauer
Fri Mar 06, 2015 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: SIGN PETITION for Jack Bogle's Presidential Medal of Freedon
Replies: 55
Views: 4451
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