Search found 11524 matches

by Mel Lindauer
Thu Sep 03, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story about making pension buyout decision
Replies: 0
Views: 145

Reporter doing story about making pension buyout decision

Hello Everyone:

A known reporter at a national newspaper would like to talk to people willing to be quoted about how they decided whether or not to take a pension buyout.

If you went through this decision-making process and are willing to be interviewed, please reply directly to Kristin.Lin@WSJ.com
by Mel Lindauer
Wed Sep 02, 2015 3:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Derby City Bogleheads (Louisville) Meeting September 15 at 7PM
Replies: 1
Views: 76

Re: Derby City Bogleheads (Louisville) Meeting September 15 at 7PM

Come join in our inaugural meeting on Tuesday, September 15 at 7 pm in the Crescent Hill Library (2762 Frankfort Ave, Louisville, KY 40206). All are welcome! Please bring a friend! For more information, email DerbyCityBogleheads@gmail.com My very best wishes to my hometown Local Chapter on the occa...
by Mel Lindauer
Wed Sep 02, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: Having fun on CNBC Halftime Report today
Replies: 19
Views: 2670

Re: Having fun on CNBC Halftime Report today

I really don't think being a money manager or financial adviser makes you qualified to talk about macroeconomic policy. Do you think we should leave the conversation to our elected officials? :D Rick Ferri Nice... BTW - I've been wondering for months: What's the connection to the Blue Angels (your ...
by Mel Lindauer
Wed Sep 02, 2015 12:29 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?
Replies: 49
Views: 9817

Re: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?

Questions collected to here. Not much time to get your questions in before I collect any straglers and then lock this thread.
by Mel Lindauer
Tue Sep 01, 2015 1:33 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs cd's
Replies: 11
Views: 1445

Re: I Bonds vs cd's

I've never had any problems redeeming Savings Bonds. Did so recently at Citizens Bank and at Chase. Had accounts at both banks, so I'm sure that was a factor.
by Mel Lindauer
Mon Aug 31, 2015 10:27 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs cd's
Replies: 11
Views: 1445

Re: I Bonds vs cd's

I prefer I Bonds to CDs at equivalent/similar rates because (1) I don't have to read the fine print about when I can cash them in, (2) they are tax-deferred for up to 30 years, so I can keep holding them without taking new actions (simplicity + flexibility). In addition to being free from state and...
by Mel Lindauer
Mon Aug 31, 2015 10:23 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3755

Re: Slow speed

If you have a Donor Advised Fund (typically Fidelity or Vanguard), please consider a contribution to the John C. Bogle Foundation for Financial Literacy, and earmark it for supporting the Bogleheads.org website. Hopefully that money will find its way to supporting this site. :beer Yes, donations ma...
by Mel Lindauer
Mon Aug 31, 2015 10:01 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3755

Re: Slow speed

I consider it an honor to be able to help out something as amazing as the BH forums. I wish you'd sticky this thread on the other boards so that others might be prompted to kick in. lol, my first attempt at writing this timed out... :D :sharebeer Things seem to be fixed now (at least for me). Let's...
by Mel Lindauer
Mon Aug 31, 2015 10:01 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3755

Re: Slow speed

I consider it an honor to be able to help out something as amazing as the BH forums. I wish you'd sticky this thread on the other boards so that others might be prompted to kick in. lol, my first attempt at writing this timed out... :D :sharebeer Things seem to be fixed now (at least for me). Let's...
by Mel Lindauer
Mon Aug 31, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 58
Views: 5069

Re: Tire rotation

Tire rotation at a dealership, like everything else, is a ripoff. Wal-Mart, for instance, will rotate your tires for $10. Or you can buy a lifetime rotation and balance for your present car and tires for $36 at WalMart. And, if you buy your tires at WalMart, they come with lifetime rotate and balan...
by Mel Lindauer
Mon Aug 31, 2015 5:49 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3755

Re: Slow speed

We're getting a new server, please see this post: growing plans Perhaps this is the appropriate time for members to consider making a donation to help offset the cost of the new server and the forum's ongoing costs. Members can contribute directly by using the "Support this Site" link at ...
by Mel Lindauer
Mon Aug 31, 2015 5:25 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3755

Re: Slow speed

We're getting a new server, please see this post: growing plans Perhaps this is the appropriate time for members to consider making a donation to help offset the cost of the new server and the forum's ongoing costs. Members can contribute directly by using the "Support this Site" link at ...
by Mel Lindauer
Mon Aug 31, 2015 5:22 pm
Forum: Forum Issues and Administration
Topic: growing plans [Server Upgrade SATURDAY 7:30 AM Eastern]
Replies: 10
Views: 1081

Re: growing plans

Perhaps this is the appropriate time for members to consider making a donation to help offset the cost of the new server and the forum's ongoing costs. Members can contribute directly by using the "Support this Site" link at the top right across of the name of the forum you're visiting. If...
by Mel Lindauer
Mon Aug 31, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?
Replies: 49
Views: 9817

Re: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?

Getting ready to start collecting your questions for Jack Bogle to respond to at the 2015 Bogleheads Conference. If you've got any questions you'd like me to ask Jack on your behalf, post them here. Once I collect the questions, I'll be locking the thread and you'll have missed your change. Speak no...
by Mel Lindauer
Mon Aug 31, 2015 11:08 am
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3755

Re: Slow speed

Still painfully slow again today.
by Mel Lindauer
Mon Aug 31, 2015 12:12 am
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 3755

Re: Slow speed

It's been really bad for the past couple of days. Worse today, though. Excruciatingly slow and very difficult to get anything done in a reasonable time on the Moderator side. Reminds me of the old dialup days.
by Mel Lindauer
Sat Aug 29, 2015 10:20 am
Forum: Investing - Theory, News & General
Topic: Why doesn't the 3 fund portfolio have TIPS?
Replies: 38
Views: 2727

Re: Why doesn't the 3 fund portfolio have TIPS?

Some historical background. Taylor came up with the 3-fund portfolio prior to the existence of TIPS. He later grudgingly created a 4-fund portfolio which included TIPS after losing a series of bets (he took Total Bond and I took TIPS). :D Mel: I was hoping you would forget those unfortunate bets. :...
by Mel Lindauer
Fri Aug 28, 2015 7:49 pm
Forum: Investing - Theory, News & General
Topic: Why doesn't the 3 fund portfolio have TIPS?
Replies: 38
Views: 2727

Re: Why doesn't the 3 fund portfolio have TIPS?

Some historical background. Taylor came up with the 3-fund portfolio prior to the existence of TIPS. He later grudgingly created a 4-fund portfolio which included TIPS after losing a series of bets (he took Total Bond and I took TIPS). :D
by Mel Lindauer
Thu Aug 27, 2015 3:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 63
Views: 4733

Re: Bogleheads Los Angeles meetings

I'll add the Los Angeles Bogleheads Local Chapter to the Local Chapters map. I still need a contact name, but I'll use the email account that was set up for this purpose. OK, I added your group to the Local Chapters map so others can find you. https://www.google.com/maps/d/u/0/viewer?mid=zV5NXyJI0L...
by Mel Lindauer
Wed Aug 26, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Old friends (High School, College) not talking anymore?
Replies: 12
Views: 2228

Re: Old friends (High School, College) not talking anymore?

This thread is locked. Not investment related.
by Mel Lindauer
Wed Aug 26, 2015 2:32 pm
Forum: Personal Consumer Issues
Topic: OTC sleeping pill recommendations?
Replies: 2
Views: 1944

Re: OTC sleeping pill recommendations?

Just woke up from a drug-free good night's sleep in time to lock this thread which has absolutely nothing to do with investing.
by Mel Lindauer
Wed Aug 26, 2015 12:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 63
Views: 4733

Re: Bogleheads Los Angeles meetings

I'll add the Los Angeles Bogleheads Local Chapter to the Local Chapters map. I still need a contact name, but I'll use the email account that was set up for this purpose.
by Mel Lindauer
Sun Aug 23, 2015 2:31 pm
Forum: Investing - Theory, News & General
Topic: [What if Vanguard files for bankruptcy?]
Replies: 22
Views: 3189

Re: [What if Vanguard files for bankruptcy?]

While LadyGeek linked to it upthread, it appears that few, if any, have bothered to read this, so I'll post it again. Here's an article I wrote about this very subject titled "What If Vanguard Went Broke". Suggest folks read this for a better understanding. https://www.bogleheads.org/wiki...
by Mel Lindauer
Sun Aug 23, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: [What if Vanguard files for bankruptcy?]
Replies: 22
Views: 3189

Re: [What if Vanguard files for bankruptcy?]

While LadyGeek linked to it upthread, it appears that few, if any, have bothered to read this, so I'll post it again. Here's an article I wrote about this very subject titled "What If Vanguard Went Broke". Suggest folks read this for a better understanding. https://www.bogleheads.org/wiki/...
by Mel Lindauer
Sat Aug 22, 2015 5:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 63
Views: 4733

Re: Boogleheads Los Angeles meetings

How about we set a meeting for September 19th on our calendar, at a place in Culver City that we will determine about two weeks prior to that? Kay n Daves sounds good to me for now, unless it is very inconvenient for others. Maybe we can come up with some bullet points to talk about during the meet...
by Mel Lindauer
Fri Aug 21, 2015 11:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 145
Views: 21123

Re: Roll Call for the Retirement Class of 2015!

AZMountains wrote:
Mel Lindauer wrote:
AZMountains wrote:Retired 4/9/15 at age 64; waited two days to move from the Great Northwest to AZ :D


What took you so long to make the move? :)


Needed to take our rain jackets and umbrellas to Goodwill.


Enjoy your retirement!
by Mel Lindauer
Fri Aug 21, 2015 1:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 145
Views: 21123

Re: Roll Call for the Retirement Class of 2015!

AZMountains wrote:Retired 4/9/15 at age 64; waited two days to move from the Great Northwest to AZ :D


What took you so long to make the move? :)
by Mel Lindauer
Thu Aug 20, 2015 11:12 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on funds that hold pre-IPO tech companies
Replies: 0
Views: 311

Reporter doing story on funds that hold pre-IPO tech companies

Hello Everyone: A known reporter for the WSJ asked me to post the following. If you meet the criteria, you can contact Kirsten directlyl I’m looking for investors who are invested in any mutual funds that they know hold shares of pre-IPO tech companies (Uber, Cloudera, etc.), like T. Rowe Price’s Ne...
by Mel Lindauer
Thu Aug 20, 2015 2:02 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?
Replies: 49
Views: 9817

Re: Got a Question for the Jack Bogle Q&A @ Bogleheads Conference?

It won't be long before I'll be doing the Q&A with Jack Bogle so if you have a question you'd like to ask Jack, here's your chance. Just post your question(s) for Jack right here on this thread and I'll add them to the list of questions for the Q&A.

Fire away!
by Mel Lindauer
Sat Aug 15, 2015 10:25 am
Forum: Personal Finance (Not Investing)
Topic: What does "LBYM" refer to? Beyond or Below your means?
Replies: 33
Views: 2230

Re: What does "LBYM" refer to? Beyond or Below your means?

^^^ I found a lot of results for both, search for the text instead: live beyond below your means - Google Search :? LadyGeek - In view of what Oblivious Investor says about the distinction between Boglehead-land and the other world :shock: , perhaps we should review the acronym's letters so readers...
by Mel Lindauer
Tue Aug 11, 2015 8:13 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 95
Views: 11410

Re: Why not add a "like" button to Boglehead posts?

It's not going to happen. That was clearly stated previously. Nothing's changed so it's still the policy. Don't expect it to change in the future. Resurrecting this thread isn't going to change the outcome.
by Mel Lindauer
Mon Aug 10, 2015 9:52 pm
Forum: Investing - Theory, News & General
Topic: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?
Replies: 22
Views: 2432

Re: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?

As for the lowered purchase limits, a couple can stilll get up to $35,000 per year for a number of years (10k each, another 10k for their trust and $5000 in tax refunds), so over their working lives, they can, indeed, accumulate a very sizeable sum. I wonder how many knew this. I didn't. Could you ...
by Mel Lindauer
Mon Aug 10, 2015 8:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Jersey chapter needs new coordinator
Replies: 9
Views: 2283

Re: New Jersey chapter needs new coordinator

Let me know via PM if we have a volunteer to become the new coordinator for this local chapter.
by Mel Lindauer
Mon Aug 10, 2015 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: NFL Player and His Family Lives on $60k/year
Replies: 13
Views: 2015

Re: Great story on NFL star who lives on $60K a year

LadyGeek wrote:FYI - I merged Eric in DC's thread into here, which is in the Personal Finance (Not Investing) forum.

Thread locked for moderator review.


After moderator review, this thread will remain locked. (Not personal nor actionable.)

by Mel Lindauer
Mon Aug 10, 2015 6:13 pm
Forum: Investing - Theory, News & General
Topic: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?
Replies: 22
Views: 2432

Re: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?

So the question is: If there were no i-Bonds cap per SSN, would you be 100% in i-Bonds for your fixed income (assuming you won't be forced to redeem it when you are in a high tax bracket)? If no, why not? No, I wouldn't, but they would be a decent portion (maybe 50%). Because of the cap I-bonds are...
by Mel Lindauer
Mon Aug 10, 2015 8:44 am
Forum: Investing - Theory, News & General
Topic: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?
Replies: 22
Views: 2432

Re: [Are] I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?

TIPs provide some protection against deflation, more than I-bonds I think. Not so. But first, I would call this a deflation "bonus" rather than deflation "protection" since neither TIPS nor I Bonds need any protection against deflation. Both guarantee a known pretax real return ...
by Mel Lindauer
Sun Aug 09, 2015 8:49 pm
Forum: Investing - Theory, News & General
Topic: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?
Replies: 22
Views: 2432

Re: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?

Having said all that, I still long for a return to the "good old days" when we could get 3.0, 3.3, 3.4 and even 3.6% over and above inflation. Don't expect that we'll see those kinds of rates any time soon. Yeah those rates would be amazing now! I wish I'd had the money to invest 15 years...
by Mel Lindauer
Sun Aug 09, 2015 8:34 pm
Forum: Investing - Theory, News & General
Topic: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?
Replies: 22
Views: 2432

Re: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?

I Bonds do offer some additional benefits that you didn't mention: 1 They're tax deferred. 2. They can be used tax-free for qualifying educational expenses. 3. They're free from state and local taxation. 4. They can be used to shift taxes from a high current bracket to a lower bracket in retirement ...
by Mel Lindauer
Fri Aug 07, 2015 10:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5827

Re: Congrats to Laura Dogu

I was honored to receive an invitation to her swearing-in ceremony in Washington.

While I've known about the appointment for some time, I'm happy to learn that she got the well-deserved quick approval by the Senate.

So now our Queen Laura is officially an Ambassador. Way to go Laura!
by Mel Lindauer
Sun Aug 02, 2015 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: My HH Bonds are nearing final maturity date. What happens then?
Replies: 18
Views: 828

Re: My HH Bonds are nearing final maturity date. What happens then?

In the past, they could be redeemed at banks. This is no longer possible. This is not necessarily true. In fact, I just recently redeemed some paper bonds at my bank. Folks need to check with their own bank to find out if they do or don't redeem paper savings bonds, since some do while others don't...
by Mel Lindauer
Sun Aug 02, 2015 11:20 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29474

Re: Free Windows 10 Upgrade, Yes or No?

And before CPM and then DOS 1, we "programmed" the early computers/tabulation machines using wires and boards. Yes, those were the days, Don. That is going back. I toggled in my programs on a PDP-8 and save the program to punched paper tape. We were so advanced! And I guess we're giving a...
by Mel Lindauer
Sun Aug 02, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: My HH Bonds are nearing final maturity date. What happens then?
Replies: 18
Views: 828

Re: My HH Bonds are nearing final maturity date. What happens then?

In the past, they could be redeemed at banks. This is no longer possible. This is not necessarily true. In fact, I just recently redeemed some paper bonds at my bank. Folks need to check with their own bank to find out if they do or don't redeem paper savings bonds, since some do while others don't...
by Mel Lindauer
Sun Aug 02, 2015 8:24 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29474

Re: Free Windows 10 Upgrade, Yes or No?

Can someone please explain why I'd want to upgrade from 8.1 which i feel comfortable with. I was lost when I first went from Win 7 to 8 because I couldn't find where things where. Don't want to go thru that again. (Fot the record, I started with DOS 1.0 and have been thru all the other versions exc...
by Mel Lindauer
Sun Aug 02, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29474

Re: Free Windows 10 Upgrade, Yes or No?

Can someone please explain why I'd want to upgrade from 8.1 which i feel comfortable with. I was lost when I first went from Win 7 to 8 because I couldn't find where things where. Don't want to go thru that again. (Fot the record, I started with DOS 1.0 and have been thru all the other versions exc...
by Mel Lindauer
Sun Aug 02, 2015 8:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 66
Views: 5618

Re: bogleheadism == Vanguard?

My point, though, is that Jack Bogle's and Bogleheads' principles apply not only to Vanguard but also to other investment opportunities. And when such opportunities exist, the Bogleheads encourage using them. Victoria Agreed and thank you. That does not change the fact that over 7,300,000,000 peopl...
by Mel Lindauer
Sun Aug 02, 2015 6:00 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29474

Re: Free Windows 10 Upgrade, Yes or No?

Can someone please explain why I'd want to upgrade from 8.1 which i feel comfortable with. I was lost when I first went from Win 7 to 8 because I couldn't find where things where. Don't want to go thru that again. (Fot the record, I started with DOS 1.0 and have been thru all the other versions exc...
by Mel Lindauer
Sun Aug 02, 2015 5:27 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29474

Re: Free Windows 10 Upgrade, Yes or No?

Can someone please explain why I'd want to upgrade from 8.1 which i feel comfortable with. I was lost when I first went from Win 7 to 8 because I couldn't find where things where. Don't want to go thru that again. (Fot the record, I started with DOS 1.0 and have been thru all the other versions exce...
by Mel Lindauer
Sun Aug 02, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: My HH Bonds are nearing final maturity date. What happens then?
Replies: 18
Views: 828

Re: My HH Bonds are nearing final maturity date. What happens then?

In the past, they could be redeemed at banks. This is no longer possible. This is not necessarily true. In fact, I just recently redeemed some paper bonds at my bank. Folks need to check with their own bank to find out if they do or don't redeem paper savings bonds, since some do while others don't.
by Mel Lindauer
Fri Jul 31, 2015 8:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 66
Views: 5618

Re: bogleheadism == Vanguard?

Historically this board is a successor to Morningstars " Vanguard Diehards " forum ... correct? Also, given the low-cost mantra, increasing Vanguard's AUM ties to lowering expenses on the funds. Yes, this forum's core of beginning members came from the old Morningstar Vanguard Diehards fo...
by Mel Lindauer
Fri Jul 31, 2015 6:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 63
Views: 4733

Re: Boogleheads Los Angeles meetings

Looks like there may be enough interest to get an LA Local Chapter going. If one of you is willing to be the Local Chapter coordinator, PM me with your first name and an email address that you'd use for this purpose (I recommend someting like LABogleheads at gmail dot com since this will be public) ...

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