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Re: HSA and ObamaCare subsidies

ObliviousInvestor wrote:Thanks for the confirmation, LG.


FWIS, I agree that it's a discussion of how court ruling affect existing legislation as opposed to proposed legislation, so as long as folks stay on target of how this may or may not affect them personally, it will be allowed to remain open.
by Mel Lindauer
Wed Jul 23, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA and ObamaCare subsidies
Replies: 11
Views: 880

Re: Wisconsin - Madison Meetings - Master Thread

LarryG wrote:We may be able to get Mel here in January so he can see what snow looks like.
Larry G


That's not going to happen, Larry! The farest north I go before May is Jacksonville FL. My kind of white stuff is sand. :D
by Mel Lindauer
Tue Jul 22, 2014 11:04 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Wisconsin - Madison Meetings - Master Thread
Replies: 37
Views: 1970

Re: Wisconsin - Madison Meetings - Master Thread

Thanks for sharing the notes from your first meeting, Mrs.Feeley. Continued success to you and the Madison Bogleheads.
by Mel Lindauer
Tue Jul 22, 2014 12:38 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Wisconsin - Madison Meetings - Master Thread
Replies: 37
Views: 1970

Re: Seattle Chapter?

Not a lot is required. I did this in Denver for several meetings. Basically: tell people ''let's get together. What do we want to talk about?" Help the group choose, or make an executive decision, for when and where to meet (coffee shop, library, hotel ball room). Post/email/PM that the meetin...
by Mel Lindauer
Tue Jul 22, 2014 12:36 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 15
Views: 2223

Re: Huntsville, AL Bogleheads Local Chapter

It's official: We now have a Huntsville AL Bogleheads Local Chapter. Jonathan (bigbold) has agreed to be the Local Chapter Coordinator. Members and prospective members can feel free to use this Local Chapters sub-forum to discuss Huntsville matters such as meeting dates, times, locations, agendas, s...
by Mel Lindauer
Sun Jul 20, 2014 4:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Huntsville, AL Bogleheads Local Chapter Established
Replies: 15
Views: 3227

Re: Wisconsin - Madison Meetings - Master Thread

Good luck to my friend, LarryG and all the Wisconsin Bogleheads on your Sat. meeting.
by Mel Lindauer
Fri Jul 18, 2014 8:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Wisconsin - Madison Meetings - Master Thread
Replies: 37
Views: 1970

Re: Seattle Chapter Dead....

Is anyone going to volunteer to be the Local Chapter coordinator? If so, contact me via PM and we'll get things set up.
by Mel Lindauer
Thu Jul 17, 2014 2:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 15
Views: 2223

Re: Is this a Vanguard quirk?

I know that Vanguard tends to limit the options for beneficiaries. My guess is that it keeps costs down by avoiding complex cases. But I don't know about this case. That would be my guess, too. It's very rare that both owners die at the same exact time. While certain legal documents can spell out w...
by Mel Lindauer
Wed Jul 16, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a Vanguard quirk? [Adding beneficiaries to account]
Replies: 20
Views: 2312

Re: Financial Times Article on Vanguard.

LeeMKE wrote:Does it worry anyone else that the inflows to Vanguard are so much higher than the other major firms?

If everyone is rushing to indexed funds, is this a good thing?


Vanguard offers both active and index funds. The big draw for both is low cost and the Vanguard Corporate culture that Jack created.
by Mel Lindauer
Tue Jul 15, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial Times Article on Vanguard.
Replies: 11
Views: 2220

Re: Financial Times Article on Vanguard.

Vanguard funds prosper by low cost evangelism Management fees at all US mutual funds are lower as a result By Pauline Skypala A fairly balanced article on why the Financial Industry is having trouble competing with Vanguard. - Bob Beeman Nice to see your name on a post, Bob. Hope things are going w...
by Mel Lindauer
Mon Jul 14, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Times Article on Vanguard.
Replies: 11
Views: 2220

Re: A Big Thank You After Visiting Accountant

It's always nice to hear that our work here on the forum is both helpful and appreciated. I hope that you and the other younger members will continue our work when we're no longer around. Well not just that, but hopefully it becomes more mainstream. The ways I see that happening are: 1. The general...
by Mel Lindauer
Sat Jul 12, 2014 5:56 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: A Big Thank You After Visiting Accountant
Replies: 17
Views: 2470

Re: A Big Thank You After Visiting Accountant

It's always nice to hear that our work here on the forum is both helpful and appreciated. I hope that you and the other younger members will continue our work when we're no longer around.
by Mel Lindauer
Sat Jul 12, 2014 4:01 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: A Big Thank You After Visiting Accountant
Replies: 17
Views: 2470

Re: updating phpBB to 3.0.12

Persistence paid off, Larry. Thanks for all you do for the Bogleheads Community.
by Mel Lindauer
Sat Jul 12, 2014 1:22 pm
 
Forum: Forum Issues and Administration
Topic: updating phpBB to 3.0.12
Replies: 11
Views: 1277

Re: Q&A with the Experts at 2014 Bogleheads Conference

Here's you chance to ask one or more questions of the authors and experts who will be on the Experts Panel at the 2014 Bogleheads Conference. Here's the list: Christine Benz, Bill Bernstein, Rick Ferri, Mike Piper, Allan Roth, Gus Sauter, and our own Queen Laura. So post your questions on this threa...
by Mel Lindauer
Fri Jul 11, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with the Experts at 2014 Bogleheads Conference
Replies: 24
Views: 7514

Re: Driving from outside Philly to Florida, with 3 children.

bhsince87 wrote:
I've driven to and back in a week many times. (eg, leave PA on Saturday return on Saturday or Sunday)

Then again, I have been accused of being nuts too!


Have you done it with a wife and three kids? I can drive for 16-18 hours straight, but not with a wife and three kids.
by Mel Lindauer
Thu Jul 10, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Driving from outside Philly to Florida, with 3 children...
Replies: 22
Views: 1797

Re: cashing in a savings bond

i have an Ibond from 2000 for 10K under my dads' name and i'm the beneficiary. i am not able to find an answer so far about if i cash this in and use it for my son's college education. his tuition is 25K per semester. i should be able to use all 10K (plus interest) against this tuition and NOT INCU...
by Mel Lindauer
Wed Jul 09, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: cashing in a savings bond
Replies: 11
Views: 1140

Re: Louisville, Ky. chapter

I will spend a week in Louisville next summer. If I am lucky, there will be a local Bogleheads meeting at that time. If all of us are really lucky, Mel will be visiting, too {smiling}, Victoria It's certainly a possibility. One never knows what the future holds, Victoria. But first they need to get...
by Mel Lindauer
Wed Jul 09, 2014 3:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Louisville, Ky. chapter
Replies: 30
Views: 1820

Re: Driving from outside Philly to Florida, with 3 children.

Savannah, Charleston and Colonial Williamsburg We did the trip once without kids (from NJ), but these are the places where we would stop with them as well once they are older (ours are 3 and 6, but yours are the right age I think) Agree that they're all good places to visit, but you simply don't ha...
by Mel Lindauer
Wed Jul 09, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Driving from outside Philly to Florida, with 3 children...
Replies: 22
Views: 1797

Re: Advice for how to fund my wedding

This thread has run its course and is now locked.
by Mel Lindauer
Wed Jul 09, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2665

Re: Q&A with the Experts at 2014 Bogleheads Conference

Anyone else have any questions for the Experts Panel?
by Mel Lindauer
Wed Jul 09, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with the Experts at 2014 Bogleheads Conference
Replies: 24
Views: 7514

Re: Market Timing with the PE10

Most (or all) of these studies don't account for buy, hold and rebalancing. When equities get "overvalued", it's probably time to rebalance, since the "overvalued" runup would have caused your equities to be a higher percentage than your desired allocation. Rebalance back to your...
by Mel Lindauer
Wed Jul 09, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing with the PE10
Replies: 18
Views: 2244

Re: Savings Bond Gifts

In the past, when folks went over the limit in paper I Bond purchases, they got a slap on the wrist saying "don't do it again" and that was it. Not sure if TD will be the same, but it's the same folks running both purchase methods.
by Mel Lindauer
Mon Jul 07, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Savings Bond Gifts
Replies: 6
Views: 350

UAE Bogleheads Local Chapter Established

Hi Everyone: I'm happy to announce that our newest Local Chapter, the UAE (United Arab Emirates) Bogleheads, is now officially established. Thanks to Jen for stepping up and agreeing to be the Local Chapter Coordinator. The group name is UAE Bogleheads. The contact name is Jen The email is UAEbogleh...
by Mel Lindauer
Thu Jul 03, 2014 11:49 am
 
Forum: Local Chapters and Bogleheads Community
Topic: UAE Bogleheads Local Chapter Established
Replies: 2
Views: 296

Re: Any Bogleheads in Dubai?

I'm happy to announce our newest Local Chapter (the UAE Bogleheads) is now officially established. Thanks to Jen for stepping up and agreeing to be the Local Chapter Coordinator. The group name is UAE Bogleheads. The contact name is Jen The email is UAEbogleheads@gmail.com Good luck to all the UAE B...
by Mel Lindauer
Thu Jul 03, 2014 11:49 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Any Bogleheads in Dubai?
Replies: 24
Views: 2539

Re: I am thinking of buying Ooma or Magicjack need help deci

ralph124cf wrote:How are both of these for international calls?

Ralph


With MJ, calls to Canada and Puerto Rico are free. I have Canadian friends, so we use it frequently. Haven't tried other countries.
by Mel Lindauer
Thu Jul 03, 2014 1:21 am
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2932

Re: Starting Retirement Investment in a Bull Market

Hope you enjoyed our book. As a young investor, with a 30 to 35 year time horizon, you should pray for the market to drop while you continue to contribute to your retirement account on a regular basis (monthly, semi-monthly, annually). If the market does drop, which it probably will a number of time...
by Mel Lindauer
Wed Jul 02, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Retirement Investment in a Bull Market
Replies: 21
Views: 1822

Re: I am thinking of buying Ooma or Magicjack need help deci

I've been curious about these for a while. Do I need one of these if I have a smartphone? I'm currently using only the cellphone for my telephone calls and do not have a landline phone. I'm not sure what I would gain with one of these services? If you don't already have a land line, you don't need ...
by Mel Lindauer
Tue Jul 01, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2932

Re: I am thinking of buying Ooma or Magicjack need help deci

I've had Magic Jack and then Magic Jack Plus for years. Love it, and the cost is very Boglehead-ish @ ~$20 per year.
by Mel Lindauer
Tue Jul 01, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2932

Re: Boston or south Boston chapter

I'm on board, and I'd be glad to transport our esteemed D.C. guest, VictoriaF, if she's still available, to the event and then back to Boston afterward. Eric I am available for a pick up. You will recognize me by an index-finger shake, Victoria Ahh, the "secret" Bogleheads recognition ind...
by Mel Lindauer
Fri Jun 27, 2014 9:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 3644

Re: Fed up with ATT

I've been using magicJack for 4-5 yrs. Finally decided to drop my land line. Ported my land line ph # to mj for a $20 fee and $10 yearly to keep my # and the fee for mj service of course. Switched my DSL internet several months before the change to cable. So now my phone bill is $10 yrly for the po...
by Mel Lindauer
Fri Jun 27, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 47
Views: 3715

Re: beneficiary form trumps will

Thanks for posting this, semperlux, I just saw this article and headed here to post it, myself. I tend to think of a will as the last and final word on everything but as placeholder points out this is not at all true. Gonna look over those forms this weekend! :sharebeer The will only covers items n...
by Mel Lindauer
Fri Jun 27, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: beneficiary form trumps will
Replies: 54
Views: 4069

Re: Fed up with ATT

DreamHigher wrote:I use MagicJack too. Been using it since 2009 and very happy with the service for the relatively low price I'm paying. I got a 5 year subscription for $80 (or something close) when it was even more inexpensive back then.


IIRC, the new five-year rate is around $99, or $20 per year.
by Mel Lindauer
Fri Jun 27, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 47
Views: 3715

Re: Best route thru DC on I95

I always dread the DC area on I-95. I've learned to ignore my GPS. I've never found a route that's consistently better, but I usually have better luck with 495. I try to get through on weekends if at all possible. Otherwise if it's a weekday, I try to go through sometime between noon and 1:30 pm. Pe...
by Mel Lindauer
Thu Jun 26, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Best route thru DC on I95
Replies: 23
Views: 1184

Re: SWR for 14 years

Say you are going to retire at 56. At 70 you will take SS and pension which more than covers your expenses. What would you think a reasonable SWR would be for the 14 years between 56 and 70? Don't forget, you'll also need to start taking RMDs, which you apparently won't need, at 70.5. Perhaps you m...
by Mel Lindauer
Thu Jun 26, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: SWR for 14 years
Replies: 17
Views: 1402

Re: Fed up with ATT

I use Magic Jack. I had my old home # ported over for a one-time charge. The device costs ~$49 or so and the VOIP service is $20 per year. I have it connected to my house phones with the answering machine, so that takes care of screening out the sales calls. Works like a charm at an extremely low c...
by Mel Lindauer
Thu Jun 26, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 47
Views: 3715

Re: Variable Annuity For My Mom?

Livesoft's point is especially true for someone who is knowledgeable about how investments work (the average Boglehead). Someone who says that out of ignorance might be offered the option of learning. But if that's the bottom line, then put that person in CDs and perhaps an SPIA... Obviously consid...
by Mel Lindauer
Wed Jun 25, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity For My Mom?
Replies: 17
Views: 1378

Re: Fed up with ATT

I use Magic Jack. I had my old home # ported over for a one-time charge. The device costs ~$49 or so and the VOIP service is $20 per year. I have it connected to my house phones with the answering machine, so that takes care of screening out the sales calls. Works like a charm at an extremely low c...
by Mel Lindauer
Wed Jun 25, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 47
Views: 3715

Re: Fed up with ATT

I use Magic Jack. I had my old home # ported over for a one-time charge. The device costs ~$49 or so and the VOIP service is $20 per year. I have it connected to my house phones with the answering machine, so that takes care of screening out the sales calls. Works like a charm at an extremely low co...
by Mel Lindauer
Wed Jun 25, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 47
Views: 3715

Re: Variable Annuity For My Mom?

Something to consider for your Mom is a single low-cost fund-of-funds like Vanguard's Target Retirement Income Fund. She'd get a nicely-diversified portfolio in a single fund that pays dividends quarterly. Doesn't get any simpler than that.
by Mel Lindauer
Wed Jun 25, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity For My Mom?
Replies: 17
Views: 1378

Re: Variable Annuity For My Mom?

Tell your Mom to find another accountant. This person sounds like a snake-oil salesman trying to separate your unsuspecting mother from her money by selling her this high-commission, high-cost product that is totally unsuitable for her. It makes my blood boil when I read horror stories like this. Ho...
by Mel Lindauer
Wed Jun 25, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity For My Mom?
Replies: 17
Views: 1378

Re: GCC Chapter? Dubai, Abu Dhabi, Doha, Saudi, Kuwait, Oman

Sounds like there's enough interest to get this Chapter going. If jenlinc2006 (or someone else who agrees to be the Local Chapter coordinator) will PM me with a name and email address you want to use for this purpose, I'll add your group and contact information to the Local Chapters Map so others ca...
by Mel Lindauer
Tue Jun 24, 2014 10:49 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: GCC Chapter? Dubai, Abu Dhabi, Doha, Saudi, Kuwait, Oman?
Replies: 11
Views: 790

Re: Article: bonds pensions SS

It is not a new perspective. It has been hotly debated here many times. I'm in the camp that says don't pretend apples are oranges. From the other active thread (http://www.bogleheads.org/forum/viewtopic.php?f=10&t=141715&p=2100010#p2100010) on the same topic: While I certainly agree with f...
by Mel Lindauer
Tue Jun 24, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Article: bonds pensions SS
Replies: 49
Views: 3210

Re: B Bernstein on Vgd Mid Cap Value vs Large Value Idx

Vanguard's mid cap value fund has certainly held its own against DFA's finest. Here it is, lifetime to date, vs the DFA "Vector fund" (which packs their whole bag 'o tricks into a single product) and the their small value fund: http://i62.tinypic.com/2zdxfte.jpg And since there are no adv...
by Mel Lindauer
Mon Jun 23, 2014 2:41 am
 
Forum: Investing - Theory, News & General
Topic: B Bernstein on Vgd Mid Cap Value vs Large Value Idx
Replies: 25
Views: 2703

Re: 2nd Greenville Metro Bogleheads Meeting - July 26th

Hi Snow Boarder: Thanks for sharing that exciting news about your first meeting. Thanks, too, for stepping up and agreeing to get this new Chapter off the ground. Sounds like you're off to a great start and I can feel the momentum building. Under your leadership, I'm sure your new group will be a hu...
by Mel Lindauer
Mon Jun 23, 2014 2:37 am
 
Forum: Local Chapters and Bogleheads Community
Topic: 2nd Greenville Metro Bogleheads Meeting - July 26th
Replies: 8
Views: 613

Re: Q&A with the Experts at 2014 Bogleheads Conference

Don't miss out on your chance to ask your question for one or more members of the Experts Panel at our upcoming 2014 Bogleheads Conference.

Fire away. And, yes, you can ask multiple questions.
by Mel Lindauer
Sun Jun 22, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: Q&A with the Experts at 2014 Bogleheads Conference
Replies: 24
Views: 7514

Re: I Bonds 5.27% interest

At current fixed rates of 0.1%, I do not understand the love I bonds receive today. Can someone enlighten? If the the idea is these are cash replacement/savings account with inflation protection, I can understand. Is it purely to counter 1980's style inflation risk? On the returns side, I don't see...
by Mel Lindauer
Sun Jun 22, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3657

Re: I Bonds 5.27% interest

I am happy to have some of those 3.4% I-Bonds! They were quite popular back on the old Morningstar forum. I believe it was Mel Lindauer that suggested back in 1998 that it would be wise to back up the truck and buy as many as you could. I bought two or three 1K I-bonds per year during those years. ...
by Mel Lindauer
Sun Jun 22, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3657

Re: B Bernstein on Vgd Mid Cap Value vs Large Value Idx

Ahh, Mel's Unloved Mid-Caps getting some respect from my good friend, the brilliant Bill Bernstein. :-)
by Mel Lindauer
Sun Jun 22, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: B Bernstein on Vgd Mid Cap Value vs Large Value Idx
Replies: 25
Views: 2703

Re: The importance of starting to invest early

I discovered Bogleheads two years ago when I was 24 with nothing in retirement accounts. Since then I have been maxing Roth IRA and 401k saving at least $22k per year :beer Good for you, Day9. Keep it up and you'll be financially independent long before your contemporaries who are just living for t...
by Mel Lindauer
Fri Jun 20, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: The importance of starting to invest early
Replies: 9
Views: 1737

Re: The importance of starting to invest early

Vanguard shows the impact of earnings after starting at various ages. (SPOILER ALERT: Starting early is better.) https://personal.vanguard.com/us/insights/article/ira_insights_graduate_052014?z_rl=FB28814&utm_content=sf3296510&utm_medium=spredfast&utm_source=facebook&utm_campaign=Pe...
by Mel Lindauer
Fri Jun 20, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: The importance of starting to invest early
Replies: 9
Views: 1737
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