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Re: MM expense Ratio [Money Market]

At approximately 06:00 E this morning 12/19/14 all three of our accounts (new VBS platform) had a yellow highlighted banner saying that our MM market fund expense ratio had one from 0.00% to something like 0.19%. There was a link that went to ~ "Why expense ratios go up" but it was generi...
by Mel Lindauer
Fri Dec 19, 2014 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: MM expense Ratio [Money Market]
Replies: 14
Views: 1151

Re: Any pilots here?

1. Don't even consider spending money on getting your private if you can't afford to also get your instrument rating. IMO, that's the ticket that will make you a real pilot, and will save your bacon when the weather goes south on you. I disagree with that. I did quite a bit of flying, but not when ...
by Mel Lindauer
Wed Dec 17, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Any pilots here?
Replies: 42
Views: 3022

Re: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?

One possible way to look at this fund is to consider it a part of your equity allocation, not your bond allocation. That way, when equities (and this fund) drop, the effect won't be quite as dramatic as holding all true equities would be.
by Mel Lindauer
Wed Dec 17, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?
Replies: 15
Views: 1474

Re: Any pilots here?

Looks like we've got enough Boglehead pilots to start a Bogleheads Pilots Chapter. :D (Rick Ferri was a Marine fighter pilot, but he hasn't chimed in on this thread yet, and another San Diego-area Boglehead friend of mine flew F4s in Nam. And Taylor was a paratrooper, but I don't know if that counts...
by Mel Lindauer
Wed Dec 17, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Any pilots here?
Replies: 42
Views: 3022

Re: Any pilots here?

I flew into PHL on my way to BH10 in 2011. They gave me the crosswind runway. Kept the speed up, reduced flaps, sweet landing in less than favorable conditions. Took quite a while to get my clearance out though. Once I started taxing, I prepared for takeoff before I reached the runway. They gave me...
by Mel Lindauer
Tue Dec 16, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Any pilots here?
Replies: 42
Views: 3022

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

Hi and welcome to the forum. IMO, it appears that you've got an excellent plan. However, as staythecourse pointed out, small business owners with 100% in equities can get a double dose of bad stuff when/if the economy goes south, and it will from time to time. As a former small business owner, I als...
by Mel Lindauer
Tue Dec 16, 2014 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 26
Views: 2397

Re: Any pilots here?

I'd say go for it if you love flying. However, just be aware that, as others have mentioned, it can be a very expensive hobby. I was very fortunate that flying was very inexpensive for me. I paid for my private, but got commercial, instrument, multi-engine, flight instructor airplanes, flight instru...
by Mel Lindauer
Tue Dec 16, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Any pilots here?
Replies: 42
Views: 3022

Re: Master Thread for Philadelphia PA Area Bogleheads Chapte

I understand Geek Speak and also plan to attend. :) My trading strategy is to rebalance once a year, we can discuss at the meeting. Would love to spend the hour and a half on the road to attend the next meeting, please contact me to let me know where and when! Ravens fan and driving an hour and hal...
by Mel Lindauer
Mon Dec 15, 2014 7:24 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Philadelphia PA Area Bogleheads Chapter
Replies: 85
Views: 3240

Re: Is there a Connecticut local chapter?

Is there a Connecticut chapter? Here's a list of all of the 59 existing Local Chapters. https://mapsengine.google.com/map/u/0/viewer?mid=zV5NXyJI0LVU.k3f1kHLN4YMQ If none are close enough to you, consider starting a new chapter. All that's required is five members who are interested in getting toge...
by Mel Lindauer
Sun Dec 14, 2014 8:49 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Is there a Connecticut local chapter?
Replies: 2
Views: 141

Re: Roth IRA is not completely free of tax considerations?

A Roth withdrawal of gains on funds held for less than five year would be a taxable event. Or before age 59-1/2. (And the five-year rule applies only to when you opened the Roth. If you opened a Roth IRA in 2009 or earlier and are 59-1/2 now, you can withdraw all your gains tax free, even gains fro...
by Mel Lindauer
Sun Dec 14, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA is not completely free of tax considerations?
Replies: 19
Views: 2468

Re: Roth IRA is not completely free of tax considerations?

A Roth withdrawal of gains on funds held for less than five year would be a taxable event. How long have you held the Roth? (You can always withdraw your contributions, tax free.)
by Mel Lindauer
Sat Dec 13, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA is not completely free of tax considerations?
Replies: 19
Views: 2468

Re: Using EE and/or I Bonds Instead of Bond Funds

The legal requirement is now the same for both. If you don't pay the tax on a paper savings bond's interest when it reaches final maturity you should expect to pay a penalty. It's the law that tax is due at full maturity but I've never seen any specific penalties laid out for not doing so. Any tax ...
by Mel Lindauer
Sat Dec 13, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4253

Re: Using EE and/or I Bonds Instead of Bond Funds

I happily use both I Bonds and EE Bonds to extend my effective tax-advantaged space. Given that I'm also somewhat younger, I realize the EE Bonds may come due sooner that I would like (maybe even the I Bonds, too) in terms of my tax bracket. Still, better tax deferred I figure than not. If you thin...
by Mel Lindauer
Fri Dec 12, 2014 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4253

Re: Using EE and/or I Bonds Instead of Bond Funds

...I guess you could delay redemption for paper bonds beyond the final maturity date, but no interest would accrue after maturity... I think Mel said no--or, at any rate, that if you don't redeem them before maturity, the tax on the appreciate value is due at maturity. Yeah, the Wiki article says: ...
by Mel Lindauer
Fri Dec 12, 2014 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4253

Re: Using EE and/or I Bonds Instead of Bond Funds

Using I Bonds in you taxable account would definitely increase your tax-deferred space. Nevertheless, using them to allow you to put growth equities in your Traditional IRA instead of bonds isn't a good move since you'd be turning what could be favorably-taxed long-term capital gains into ordinary ...
by Mel Lindauer
Fri Dec 12, 2014 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4253

Re: Using EE and/or I Bonds Instead of Bond Funds

... So far, Angst's point that savings bonds arent as negatively correlated to stocks as bond funds would be (and diversity being therefore decreased) is the only downside I've seen. Unless there's something else I'm missing? Bond funds are not negatively correlated to stocks . That's a persistent ...
by Mel Lindauer
Fri Dec 12, 2014 1:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4253

Re: Cashing Savings Bond (I Series) to pay for College Tuiti

I have a lot of I Series Savings Bonds I purchased throughout the years for my daughter's college education. I've also contributed to a 529 Account. For the 2014 tax year, my wife and I's MAGI may be w/in the limits (or even below) of cashing some of them in for educational purposes. Anyway, I'm lo...
by Mel Lindauer
Thu Dec 11, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cashing Savings Bond (I Series) to pay for College Tuition
Replies: 1
Views: 401

Re: Using EE and/or I Bonds Instead of Bond Funds

While there is no federal regulation preventing one from holding Savings Bonds in a tax-deferred account, it's really not possible (or desirable) for several reasons: 1. There are no custodians who will purchase and hold the Savings Bonds for your tax-deferred accounts, and you can't purchase them a...
by Mel Lindauer
Thu Dec 11, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using EE and/or I Bonds Instead of Bond Funds
Replies: 48
Views: 4253

Re: Is it worth purchasing Ibonds on the verge retirement?

Remember, inflation is the mortal enemy of retirees, since they no longer get increases in pay to offset the ravages of inflation. And more conservative investments choices of retirees usually lead to lower returns. Therefore, protecting the future spending power of our current assets is very import...
by Mel Lindauer
Thu Dec 11, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Is it worth purchasing Ibonds on the verge retirement?
Replies: 25
Views: 2447

Re: 'Ignore John Bogle and dump your S&P 500 index fund" Art

Ignore John Bogle and dump your S&P 500 index fund http://www.marketwatch.com/story/ignore-john-bogle-and-dump-your-sp-500-index-fund-2014-12-10 "As simple as this strategy is, a recent study has confirmed that it has outperformed the traditional market-cap-weighted indexes by 2.10% a year...
by Mel Lindauer
Thu Dec 11, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: 'Ignore John Bogle and dump your S&P 500 index fund" Article
Replies: 16
Views: 3245

Re: Are TIPs good in inflation & deflation?

As dh says, I Bonds offer greater protection in periods of deflation. Since the composite rate on I Bonds can never go below 0%, the larger the deflation figure, the higher the REAL return would be on I Bonds. For example, a 0% fixed rate I Bond would provide a +4% REAL return if deflation were 4%.
by Mel Lindauer
Thu Dec 11, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: Are TIPs good in inflation & deflation?
Replies: 6
Views: 857

Re: Any interest in a Baltimore/Southern PA Chapter?

OK, it's official. We now have a new Baltimore/Southern PA Local Chaper. Stephen (swimirvine) stepped up and agreed to be the Local Chapter Coordinator. The email address for those interested will be baltimorebogleheads@gmail.com Stephen suggested that the area of interest might also include Bolgleh...
by Mel Lindauer
Wed Dec 10, 2014 1:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in a Baltimore/Southern PA Chapter?
Replies: 14
Views: 867

Re: Any interest in a Baltimore Chapter?

Sounds like you have enough interest to officially start a Baltimore Area Local Chapter. All I need to get you started is for one of you to agree to be the Local Chapter Coordinator. That person doesn't have to be an investing guru. Rather, they would communicate with the members regarding meeting d...
by Mel Lindauer
Tue Dec 09, 2014 9:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in a Baltimore/Southern PA Chapter?
Replies: 14
Views: 867

Re: Gifting I bonds

Yes, and that's what I said in the second part. The 529 Plan contribution counts as a "qualifying educational expense" and is thus tax-free if made in the year of redemption. Not sure what you're misreading. Ok, we agree. I had thought your original comment meant that one also needed a &q...
by Mel Lindauer
Tue Dec 09, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting I bonds
Replies: 17
Views: 1355

Re: CANCELED - Other Thread Rebalancing increases Risk? Pap

This duplicate thread is locked. Post on the other thread on this topic.
by Mel Lindauer
Tue Dec 09, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: CANCELED - Other Thread Rebalancing increases Risk? Paper
Replies: 1
Views: 347

Re: Gifting I bonds

Yes, but contributing to the 529 Plan still requires the I Bonds to be titled correctly (in one or both parents' names) and that ALL of the proceeds be used for qualifying educational expenses in the year of redemption. Otherwise, you have a taxable event. I agree with the first part, but Form 8815...
by Mel Lindauer
Tue Dec 09, 2014 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Gifting I bonds
Replies: 17
Views: 1355

Re: Gifting I bonds

Perhaps this was the article, from Fri 12/5? http://www.wsj.com/articles/giving-the-gift-of-money-to-loved-ones-1417804919 Transferring savings bonds by reissuance rather than inheritance is a taxable event, so that's not so good. It might be possible to contribute them to a 529 plan first, which t...
by Mel Lindauer
Tue Dec 09, 2014 1:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Gifting I bonds
Replies: 17
Views: 1355

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

This thread is locked for Moderator review.
by Mel Lindauer
Sun Dec 07, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 3885

Re: Should I surrender my variable annuity?

It looks like the difference in market value and surrender value is $8190.20. At the market value and using the 1.98% ER you are paying $2537.1003 per year. If you put that amount into a fund at .10 ER that would be $128.1264 so the difference is $2408.9639 per year. The breakeven period is 3.3999 ...
by Mel Lindauer
Sun Dec 07, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I surrender my variable annuity?
Replies: 8
Views: 752

Re: Should I surrender my variable annuity?

You can run the numbers and determine how fast a low-cost index fund portfolio at Vanguard would pay back the combination of the higher annuity expenses and the surrender fee. Since you're relatively young and have a long time horizon, my guess is that the payback period would be very short compared...
by Mel Lindauer
Sun Dec 07, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I surrender my variable annuity?
Replies: 8
Views: 752

Re: Travelers Roadside Assistance

For many years now I have subscribed to AAA ($120/year) for roadside assistance. At this point, I have not used it in 15+ years (and that is a good thing). This year I chose Travelers for car insurance since they offered me the best price. Along with it I received the Travelers Roadside Assistance ...
by Mel Lindauer
Sun Dec 07, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 1928

Re: Is a Vanguard Deferred Variable Annuity for me?

I have read the threads warning about annuities. However, does that mean they are never useful? Here's my situation: 22 years to retirement. I currently max my 401k and backdoor Roth contributions. I have 12 months of expenses in reserve as an emergency fund, and I am paying about $350 extra per mo...
by Mel Lindauer
Sun Dec 07, 2014 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a Vanguard Deferred Variable Annuity for me?
Replies: 2
Views: 381

Re: Gifting I bonds

Didn't see the WSJ article, but I hope they're not giving out bad info, or that you're not misreading what they wrote. To be eligible for the tax-free benefit for using I Bond redemption proceeds for qualifying educational expenses, the I Bonds must be registered in the name of one or both parents a...
by Mel Lindauer
Sun Dec 07, 2014 2:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Gifting I bonds
Replies: 17
Views: 1355

Re: Thank you, Taylor...

I'm so blessed to have partnered with Taylor's in building the Bogleheads community over the past 16 years. It was also a true pleasure to work with him on The Bogleheads' Guide to Investing and The Bogleheads' Guide to Retirement Planning . He's a true class act, and I'm honored to call him my very...
by Mel Lindauer
Sat Dec 06, 2014 11:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2170

Re: Is it safe to leave Laptop in hotel room

Okay, thanks everyone. I think we'll just take it with us and lock it in the trunk of the car during the day when we're away from the room. Just to be on the safe side. That's what I do. Why tempt fate? If it were stolen, you'd probably feel foolish for having exposed it to the thief and others wou...
by Mel Lindauer
Sat Dec 06, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7540

Re: Bogleheads.com and FPL Capital Management

I guess there is no use in complaining, there's really nothing that can be done about it except ask the firm pretty-please to stop doing this and give the bogleheads.com address over to bogleheads.org. Probably not going to happen. Actually, there is something we can do about it. We're taking legal...
by Mel Lindauer
Sat Dec 06, 2014 10:54 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2481

Re: Withdrawing from Traditional vs. Roth "buckets"

If I have some of my retirement money as Traditional/Pre-tax and some as Roth, when I go to withdraw can I specify which "bucket" I want to withdraw from, or will I draw from both? Depending on my (unknown) tax situation at retirement, I may want to go to one and not the other. For exampl...
by Mel Lindauer
Sat Dec 06, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withdrawing from Traditional vs. Roth "buckets"
Replies: 9
Views: 675

Re: VG Total Stock Market Index Fund

This is a duplicate thread. Post responses on the previous thread. This thread is locked.

[Thread unlocked and merged by admin LadyGeek]
by Mel Lindauer
Thu Dec 04, 2014 11:32 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 18090

Re: Any regrets going from iOS to Android phone?

I have an iPad, a new Samsung Galaxy Note 4 phone and a Chromebook, so I'm familiar with both operating systems as well as Windows 8.1 which I have on my computer. I don't have a problem moving from one to the other, and I suspect you won't either.
by Mel Lindauer
Wed Dec 03, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3372

Re: Ken Fisher - Why I hate annuities

Perhaps the reason he and other advisors don't like SPIAs is because with a SPIA, the advisor no longer has control of the assets which means he can no longer charge his (often high) fee. The money is now under the control of the insurance company rather than the advisor.
by Mel Lindauer
Mon Dec 01, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 6159

Re: Cell phone usage while visiting Canada

Live in the US Sprint is current carrier I will be traveling to Canada a lot over the next six months Need options for cell service while in Canada 1. Prefer to use the same number 2. Call and text from Canada to US 3. Call, texts and data within Canada 4. Good service required 5. Reasonable overal...
by Mel Lindauer
Thu Nov 27, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone usage while visiting Canada
Replies: 10
Views: 1790

Re: Thanksgiving with Jack Bogle: A Trip Down Memory Lane

Thanks Great2bOutdoors and Fallible. Happy Thanksgiving to you both.
by Mel Lindauer
Thu Nov 27, 2014 11:37 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Thanksgiving with Jack Bogle: A Trip Down Memory Lane
Replies: 4
Views: 731

Re: Best 529 Plan

Happy Thanksgiving! Any advice on what is the best State 529 plan? I live in California, but am willing to choose another state if it is a better deal with no out of state penalties. I checked out Utah's plan, which I heard was very good. It has Vanguard, which California doesn't, but its listed Ma...
by Mel Lindauer
Thu Nov 27, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Best 529 Plan
Replies: 15
Views: 1649

Thanksgiving with Jack Bogle: A Trip Down Memory Lane

Here's a column I did for Forbes at back in 2010 at Thanksgiving. I think it might be a good read for those who don't know the history. http://www.forbes.com/2010/11/18/thanksgiving-with-john-bogle-vanguard-personal-finance-bogleheads-view-lindauer.html Happy Thanksgiving to all my Bogleheads friends.
by Mel Lindauer
Wed Nov 26, 2014 9:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thanksgiving with Jack Bogle: A Trip Down Memory Lane
Replies: 4
Views: 731

Re: Trying to remember what book this is from.

I remember reading this somewhere but I can't remember where. It was likely phrased very differently but it it went something like this; In investing there are only three thing you can control well; 1) How much you save or spend each year. 2) Keeping investing costs low. 3) Your asset allocation. T...
by Mel Lindauer
Wed Nov 26, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to remember what book this is from.
Replies: 3
Views: 672

Reporter doing story on Roth IRAs

Hi Everyone: A known reporter for a national newspaper is working on a comprehensive story about Roth IRAs. Roth accounts offer great tax advantages and are catching on with investors, but there are hurdles to entry. This reporter would like to talk to (and quote) investors about their Roth experien...
by Mel Lindauer
Wed Nov 26, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Roth IRAs
Replies: 1
Views: 521

Re: Vanguard Ultra-Short-Term Bond Fund coming in early 2015

Personally, I think it could be a good addition to the Vanguard bond line-up for those investors who want a bit more return than a money market and who are willing to accept the possibility of a slight bit more NAV variation in exchange for that higher return. I do know that I wouldn't care to use a...
by Mel Lindauer
Tue Nov 25, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund coming in early 2015.
Replies: 39
Views: 4517

Re: Medal of Freedom: Still not Jack Bogle?

Here are this year's Medal of Freedom recipients: http://www.whitehouse.gov/the-press-office/2014/11/10/president-obama-names-recipients-presidential-medal-freedom Still not Jack Bogle? I have spent quite a bit of time trying to discover the nomination process, to no avail. I know that others have ...
by Mel Lindauer
Mon Nov 24, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Medal of Freedom: Still not Jack Bogle?
Replies: 3
Views: 370

Re: The Bogleheads Have Taken Over

And, FWIW, our community book, The Bogleheads' Guide to Retirement Planning , is currently the #3 book in the Retirement Planning category. For a while, it was the #1 book after being recommended in the AARP Bulletin which goes out to (I think) more than seven million readers. And Mike Piper's book,...
by Mel Lindauer
Fri Nov 21, 2014 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: The Bogleheads Have Taken Over
Replies: 8
Views: 2391

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Those fees are part of the fund's ER. DFA funds have fees of the same nature. But joe six-pack investor cannot purchase a DFA fund by himself. He has to pay an advisor for the privilege of paying DFA to manage the funds (i.e., the DFA fund's ER). A Vanguard investor only has to pay the ER. Not alwa...
by Mel Lindauer
Thu Nov 20, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 18090
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