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Re: Coverdell ESA for tutoring costs

Glad you enjoyed our new book, msj16. I'm a firm believer that the first $2000 destined for a child's education each year should go into the much more flexible Coverdell ESA account. I don't know why Vanguard stopped offering them, but it could be related to the low annual contribution limit of $200...
by Mel Lindauer
Mon Sep 01, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coverdell ESA for tutoring costs
Replies: 6
Views: 246

Re: how to withdraw from the IRA during retirement

Thanks to all...question for Mel, can you recommend a well written book, or short guide, for folks like me who are unexpectedly close to retirement? Since my health issues (two serious spine surgeries and one hip replacement with complications) have all happened during the past 18 months, I find my...
by Mel Lindauer
Mon Sep 01, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to withdraw from the IRA during retirement
Replies: 10
Views: 767

Re: how to withdraw from the IRA during retirement

There's no set pattern. Many try to delay withdrawal until the end of the calendar year to maximize accumulation within the IRA. Others, who depend on the RMD for living expenses, withdraw in installments as needed throughout the year. Doesn't make much difference - whatever best suits your needs. ...
by Mel Lindauer
Mon Sep 01, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to withdraw from the IRA during retirement
Replies: 10
Views: 767

Re: Do Bogleheads worry about institutional risk?

Here's something I wrote a number of years ago that addresses these concerns:
http://www.bogleheads.org/wiki/Vanguard_safety

Hopefully Bogleheads have a few bucks for gas and food outside of their Vanguard accounts.
by Mel Lindauer
Sun Aug 31, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 33
Views: 1647

Re: My husband's " WILL", $ left for me to live on....

Based on her last post, this appears to have ended on a happy note, so let's leave it that way. This thread is locked based on that happy ending (let's not spoil it).
by Mel Lindauer
Sun Aug 31, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16817

Re: Q&A WITH THE EXPERTS AT THE 2014 BOGLEHEADS CONFERENCE

Any more questions for the Experts Panels? If so, post them right here and I'll add them to the list of questions.
by Mel Lindauer
Sun Aug 31, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Q&A WITH THE EXPERTS AT THE 2014 BOGLEHEADS CONFERENCE
Replies: 37
Views: 11278

Re: Can I give financial advice without being certified?

I'm not a certified financial planner/adviser or anything like that, but I'd like to present some of the things I know about personal finance, investments, and financial planning to some people. Is that legal? With a name like yours, I don't think you'll find many people interested in hearing what ...
by Mel Lindauer
Sat Aug 30, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I give financial advice without being certified?
Replies: 6
Views: 797

Re: Bogleheads in Consumer Reports Magazine

VictoriaF wrote:Hopefully, we will see more women posters.

Victoria


We may well have many more women posters than you're aware of, Victoria. Remember, member names often are intentionally deceptive to avoid gender identity.
by Mel Lindauer
Sat Aug 30, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Consumer Reports Magazine
Replies: 6
Views: 900

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

LadyGeek wrote:Thread locked for moderator review.


After Moderator review, this thread will remain locked.
by Mel Lindauer
Sat Aug 30, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6621

Re: Anyone used Vanguard Flagship Services With Portfolio $1

DAK wrote:Agree if you're bogleheading already its not all that special. I got free Turbo Tax which I use. Other than that I think my rep tries to call once a year and I probably don't answer.


Thanks for posting that (I had forgotten about it). I also use the free Turbo Tax each year to do my taxes.
by Mel Lindauer
Sat Aug 30, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4216

Re: Anyone used Vanguard Flagship Services With Portfolio $1

One of the nice features of being a Flagship client is the ability to have other family members under your "Flagship Umbrella", which means they also get Flagship perks even though they don't have the $1mm invested at Vanguard.
by Mel Lindauer
Sat Aug 30, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4216

Re: What happened to SoCal Chapter?

TimeRunner wrote:We are spread out. Driving time from here to Irvine, for example, is over 3-1/2 hours...with normal traffic. :oops:


Nothing wrong with setting up several more Chapters that would be closer to the various interested parties.
by Mel Lindauer
Fri Aug 29, 2014 8:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What happened to SoCal Chapter?
Replies: 12
Views: 1635

Re: Poor Janus, a look at this once high flying fund family

Brings back memories of my pre-boglehead days. :oops: Janus Fund, Janus Twenty, Janus Worldwide. Also Lindner Dividend Fund, Scudder International, Financial Industrial Income Fund. You have to be of a certain age to have even heard of these funds. :wink: In February of 2000 I moved all my IRAs to ...
by Mel Lindauer
Fri Aug 29, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 59
Views: 5505

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Is anyone aware if The Bogleheads a) will be updating the Retirement Guide and b) plan on writing any additional books? Both of these options are still on the table, abuss. Our publisher (Wiley), owns the "Dummy" series of books, and they see the Bogleheads' Guides as a series of books al...
by Mel Lindauer
Fri Aug 29, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: Inflation Protected Securities

Several points: 1. Vanguard's TIPS fund has outperformed Total Stock Market many years since its inception, so they make a nice combination. 2. More importantly, TIPS seem to be a nice counter-balance to equities, since on many days when equities are down, TIPS are up, helping to offset the equity l...
by Mel Lindauer
Fri Aug 29, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation Protected Securities
Replies: 14
Views: 1576

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Tortoise Banker wrote:I really, really, really like these gems. What a nice treat!


There's no doubt, Tortoise Banker, that Taylor's "Gems" are truly gems. You really get the flavor of a book by reading them.
by Mel Lindauer
Thu Aug 28, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: Anybody heard of/used Zinc Save?

Wow- so much attention from all the big guns on Bogleheads! No, I am not affiliated with Zinc. I just saw it somewhere earlier today on a consumer website (lifehacker, maybe?) and read about it. I'm not sold on it either and did not install or try it myself- I just wondered if any here had used it,...
by Mel Lindauer
Wed Aug 27, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Anybody heard of/used Zinc Save?
Replies: 10
Views: 917

Re: "The Bogleheads' Guide to Investing -- Second Edition"

I would also like to add my thanks to the authors for writing an excellent book. I found it extremely informative and useful. Also thanks to everyone for their kindness in answering our questions that must be simplistic for financial gurus. Lynette Thanks for your nice comments, Lynette. Glad to he...
by Mel Lindauer
Wed Aug 27, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: Establishing "Small Business" and Cheating IRS?

This thread is locked for moderator review.
by Mel Lindauer
Wed Aug 27, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing "Small Business" and Cheating IRS?
Replies: 11
Views: 1123

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Alright there are already 9 used copies on Amazon that are listed higher than the new price. The 9 of you come forward. That is something only a true Boglehead would do. That's probably Taylor trying to sell his author's copies. :D :D Hi Dave: I hope Taylor finds it amusing, too! That's very funny,...
by Mel Lindauer
Tue Aug 26, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: Hi! And Thanks!

Thanks for that nice post and welcome to the forum! It's always nice to hear that our work is both helpful and appreciated. Hopefully, you'll be paying it forward very soon.
by Mel Lindauer
Mon Aug 25, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hi! And Thanks!
Replies: 3
Views: 700

Social Security: How to decide when it's time

[Thread merged into here, see below. --admin LadyGeek]

Nice Vanguard article with lots of calculations showing the various options and payouts.

https://personalp.vanguard.com/us/insig ... cript=true
by Mel Lindauer
Mon Aug 25, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5875

Re: Transfer on Death (TOD) for Vanguard taxable accounts

runner9 wrote:Benefit would be if both account owners die together, or close together such as in a car accident, etc.


Exactly.
by Mel Lindauer
Mon Aug 25, 2014 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 20
Views: 1818

Re: Mel's playful jokes

Taylor Larimore wrote:
I hope Taylor finds it amusing, too!

I do.

Best wishes.
Taylor


Glad you've got a sense of humor, my good friend. :D
by Mel Lindauer
Mon Aug 25, 2014 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: "The Bogleheads' Guide to Investing -- Second Edition"

FinancialDave wrote:
Mel Lindauer wrote:
rec7 wrote:Alright there are already 9 used copies on Amazon that are listed higher than the new price. The 9 of you come forward. That is something only a true Boglehead would do.


That's probably Taylor trying to sell his author's copies. :D


:D


Hi Dave:

I hope Taylor finds it amusing, too!
by Mel Lindauer
Mon Aug 25, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: "The Bogleheads' Guide to Investing -- Second Edition"

rec7 wrote:Alright there are already 9 used copies on Amazon that are listed higher than the new price. The 9 of you come forward. That is something only a true Boglehead would do.


That's probably Taylor trying to sell his author's copies. :D
by Mel Lindauer
Sun Aug 24, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: Transfer on Death (TOD) for Vanguard taxable accounts

Page 2 of their Transfer on Death Kit says they do, but only for individual accounts. http://www.vanguard.com/pdf/bdbp.pdf?2210039149 Thanks for that distinction. Our accounts are joint ownership, but we were able to get the POD on the joint accounts before Vanguard discontinued doing it on joint a...
by Mel Lindauer
Sun Aug 24, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 20
Views: 1818

Re: Transfer on Death (TOD) for Vanguard taxable accounts

I live in Texas, am not married, and wish to designate TOD beneficiaries for my Vanguard taxable account. Both Nolo's Estate Planning Basics and Make Your Own Living Trust books have a statement that TOD is available in every state except Texas. After talking to Vanguard twice about this issue, the...
by Mel Lindauer
Sun Aug 24, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 20
Views: 1818

Re: Need some Boglehead advice ...

I could see one scenario in which you may have both S&P500 and Total Stock Market in the the same taxable account. This could materialize when there is a steep market decline and you would want to tax loss harvest but want to keep you overall asset allocation the same. In such a scenario, you m...
by Mel Lindauer
Sun Aug 24, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need some Boglehead advice ...
Replies: 14
Views: 1344

Re: Anybody heard of/used Zinc Save?

folkhorn, please forgive me for asking this, but just for the record I'd really appreciate your saying that you personally have no connection with zinc.io (domain of Zinc Save's parent company). By the way, I'd never heard of the .io three-letter domain before... I had to look it up. Zinc Save is &...
by Mel Lindauer
Sun Aug 24, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Anybody heard of/used Zinc Save?
Replies: 10
Views: 917

Re: Need some Boglehead advice ...

Hi, Should one hold both the S&P 500 and Total Stock Market Index? It makes no sense to hold both funds in separate accounts because of the overlap. In general the preference should be to use a Total Stock market fund, in my opinion. Very often a 401k or 403b account offers a S&P 500 index ...
by Mel Lindauer
Sun Aug 24, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need some Boglehead advice ...
Replies: 14
Views: 1344

Re: Anybody heard of/used Zinc Save?

Has anyone out there tried Zinc Save, aka "Zinc"? Apparently you install a plug-in and when you order from, for example Amazon, it magically sometimes lowers the price. Seems too good to be true. From the FAQ online, it looks like they search for it cheaper elsewhere and automatically re-...
by Mel Lindauer
Sun Aug 24, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Anybody heard of/used Zinc Save?
Replies: 10
Views: 917

Re: Paper I/EE Savings Bonds are only reissued electronicall

Here's some additional good information I received via PM from my favorite researcher (sscritic). The regulations were changed on February 14, 2014 http://www.gpo.gov/fdsys/pkg/FR-2014-02-14/pdf/2014-03371.pdf The current regs are here: http://www.ecfr.gov/cgi-bin/text-idx?SID=ae28695c0d963ecf8e595d...
by Mel Lindauer
Sun Aug 24, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paper I/EE Savings Bonds are only reissued electronically
Replies: 4
Views: 733

Re: "The Bogleheads' Guide to Investing -- Second Edition"

The second addition is available for download in both the Kindle (Amazon) and iTunes (Apple) format. Remember to post a comment or review on either the Amazon or Apple website in order to help others make a purchasing decision. Yes, please do. The more reviews, the more reliable the information is ...
by Mel Lindauer
Sun Aug 24, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: Paul Krugman's "Hawks Crying Wolf"

This thread is locked for Moderator review.
by Mel Lindauer
Sun Aug 24, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Paul Krugman's "Hawks Crying Wolf"
Replies: 5
Views: 1115

Re: Paper I/EE Savings Bonds are only reissued electronicall

That applies to reissued bonds. Reissue happens in a number of situations (death, changes in title, partial redemptions, loss of original paper bonds, etc.). Obviously this could cause problems for those elderly folks without computer access (or even for those with computer access), but these folks ...
by Mel Lindauer
Sun Aug 24, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Paper I/EE Savings Bonds are only reissued electronically
Replies: 4
Views: 733

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

Mel & Taylor, Do you know if/when this will be available as a Kindle MatchBook? I'd like both the hardcover and the kindle versions, but as a Boglehead, I'm too cheap to spring for both at full price. :D Looks like it's now available in Kindle format, targ. Here's a link: http://www.amazon.com/...
by Mel Lindauer
Sat Aug 23, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 34
Views: 3097

Re: "The Bogleheads' Guide to Investing -- Second Edition"

LadyGeek wrote:The wiki has been updated: Bogleheads' Guide To Investing

Overall information is there, but the article's content is in need of an update.


FYI, I've supplied LadyGeek with additional information on the new book for the wiki.
by Mel Lindauer
Sat Aug 23, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

Mel & Taylor, Do you know if/when this will be available as a Kindle MatchBook? I'd like both the hardcover and the kindle versions, but as a Boglehead, I'm too cheap to spring for both at full price. :D Targ: Sorry, I don't know the answer to your question. Perhaps the public library will have...
by Mel Lindauer
Fri Aug 22, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 34
Views: 3097

Re: Three co-authors of The Bogleheads' Guide to Investing

I'd say if you just want the overriding message, then don't buy the new book because the overall message hasn't changed. However, if you want to use it as a reference for various tax laws, contribution limits, our views on ETFs and back-door Roths, etc., then you'd want the new book. As the third c...
by Mel Lindauer
Fri Aug 22, 2014 7:13 am
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

Valence wrote:Just ordered it as well : ). With the help of the people on the forum and the wiki I have figured out a good mostly bogle investment strategy. The book can only add to this :D.


Here's hoping it's everything you expected, and more.
by Mel Lindauer
Thu Aug 21, 2014 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 34
Views: 3097

Investors Pour Into Vanguard, Eschewing Stock Pickers

[Thread merged into here, see below. --admin LadyGeek] Hi Everyone: Looks like more and more investors are coming to realize the advantage of low-cost indexing over the stock pickers and star manages. From the WSJ (for subscribers): Investors are pouring money into Vanguard Group, the epitome of th...
by Mel Lindauer
Thu Aug 21, 2014 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6624

Re: "The Bogleheads' Guide to Investing -- Second Edition"

I too have bought the first edition already. Are there significant changes in the second edition? Is it worth a purchase? Hi Brantley: I was asked pretty much the same question on another thread. Here's the question and my response: The article also makes mention of a second edition coming out for ...
by Mel Lindauer
Thu Aug 21, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 42
Views: 6205

Re: Cost of living by state

Restarting a previously-locked thread is a violation of forum policy. This thread is locked by Moderator Mel.
by Mel Lindauer
Wed Aug 20, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of living by state
Replies: 1
Views: 723

Re: Which countries really provide health care to all citize

This thread is locked for review by Moderator Mel.
by Mel Lindauer
Wed Aug 20, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which countries really provide health care to all citizens?
Replies: 12
Views: 1481

Re: [live off dividends?] How the rich stay/get richer??

This thread is locked for review by Moderator Mel.
by Mel Lindauer
Wed Aug 20, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 4929

Re: Bad(?) advice given about Target Date Retirement funds

Leeraar wrote:Methinks Mel was presaging a Wealthfront type of solution.

L.


Should I be entitled to royalties for coming up with idea back in 2009, Leearaar? :D
by Mel Lindauer
Wed Aug 20, 2014 12:04 am
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6373

Re: Your biggest "Missed Money" event that still kills you?

mhalley wrote:Not buying i-bonds back when mel was extolling their virtues. 3% just seemed so LOW lol:(
Mike


Don't mean to rub it in, but they actually got up to 3.6% REAL before they started dropping, mhailey.
by Mel Lindauer
Tue Aug 19, 2014 11:18 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7967

Re: Bad(?) advice given about Target Date Retirement funds

Here's a column I did for M* back in 2009 on this very topic called "Fixing Target Date Funds". http://news.morningstar.com/articlenet/article.aspx?postId=2686718 Vanguard already has 12 target retirement funds and the suggestion is that they should instead have 36? Investors are already ...
by Mel Lindauer
Tue Aug 19, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6373

Re: Bogleheads Featured in Money Article

I am sorry to all if I just don't buy into the TIPS fascination in retirement and not many in their 80's are going to be managing a TIPS ladder -- remember a ladder has to essentially go on to beyond age 100, because what are you going to do if the ladder runs out?? Even though a bond ladder or a T...
by Mel Lindauer
Tue Aug 19, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 3036
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