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Re: IRA investment after retirement?

Is it advantageous (enough) to continue to use tIRA as an investment method after retirement? I have a small amount of earned income from a hobby and unearned income from investments. Since I can no longer use full advantage of Roth, just wondering if others continue to contribute to an IRA. Thanks...
by Mel Lindauer
Thu Feb 26, 2015 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA investment after retirement?
Replies: 9
Views: 592

Vanguard Strikes Back With Lower Target-Date Fees

New institutional funds to cost 10 basis points; firm also boosts international stake of multiasset offerings.

http://news.morningstar.com/articlenet/ ... ?id=686660
by Mel Lindauer
Thu Feb 26, 2015 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Strikes Back With Lower Target-Date Fees
Replies: 11
Views: 2707

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

I remember the birth of this forum a little different from how it's described in the Forbes article. I thought board member phoenix had a hand in creating the forum that made it possible to move away from Morningstar. I may be wrong. Happy Birthday! Yes, Phoenix actually set up the forum portion an...
by Mel Lindauer
Tue Feb 24, 2015 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2340

Re: iPad users: what browser are you using?

I've had my iPad for a couple of years and am still using Safari. I heard there are several others that might be better. Curious what others are using and what are the pros/cons. I don't want to lose all of my bookmarks/settings. I use Google Chrome on all of my devices (2 Windows 8.1 computers, iP...
by Mel Lindauer
Mon Feb 23, 2015 7:02 pm
 
Forum: Personal Consumer Issues
Topic: iPad users: what browser are you using?
Replies: 28
Views: 1807

Re: Please Help Me Explain an Equity Index Annuity to a Rela

Most(?) people will buy annuities for their guarantees, not for their investment possibilities. The guarantees are substantial for some people. Again, the order of our dFIA purchase was for: 1) Income; 2) Insurance; 3) Investment. We were then 62/65 at purchase, 2012. 1) Income: Our "Income Ac...
by Mel Lindauer
Sun Feb 22, 2015 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 31
Views: 1654

Re: Self-Employment Retirement

If I sell the mutual funds in my taxable account, I have $5847 in long term gain. If I also contribute significantly to a solo 401k for 2015, I should be able to reduce my taxable income enough to not owe long term capital gains taxes on that money, Did I understand your original post to be that yo...
by Mel Lindauer
Sat Feb 21, 2015 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Employment Retirement
Replies: 17
Views: 706

Re: Self-Employment Retirement

Between my husband and I we have: $34,437 in stocks that would cost $858 to sell through EJ or $70 to sell through Vanguard $68,437 in American Funds Mutual Funds at EJ that cost $479 a year with an approximate average expense ratio of 0.70% (estimated cost vs Vanguard is $350 more at EJ per year) ...
by Mel Lindauer
Sat Feb 21, 2015 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Employment Retirement
Replies: 17
Views: 706

Re: Self-Employment Retirement

You're right - I should just go with Vanguard for the solo 401k. Any other input on the whole situation? You could reduce your costs and end up with more money in your pocket if you moved the Roth, Traditional and SEP to Vanguard. You'd simply fill out the Vanguard paperwork and they'd do the rest....
by Mel Lindauer
Sat Feb 21, 2015 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self-Employment Retirement
Replies: 17
Views: 706

Re: Self-Employment Retirement

I'm thinking about starting a solo 401k in place of my SEP IRA. I'm thinking that the best thing to do will be to contribute everything extra to the solo 401k the first year (won't exceed maximums), and then in following years, I can lower my income to stay in the 15% tax bracket using the solo 401...
by Mel Lindauer
Sat Feb 21, 2015 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Self-Employment Retirement
Replies: 17
Views: 706

Re: Please Help Me Explain an Equity Index Annuity to a Rela

I'm trying to explain how and Equity Index Annuity (now called Fixed Index Annuity) to a relative who is on the verge of buying one. I know a bit about them, but I'm sure there are some details that I'm missing. Here's what I know: (or think I do) 1. They track an equity index typically the SP 500 ...
by Mel Lindauer
Fri Feb 20, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please Help Me Explain an Equity Index Annuity to a Relative
Replies: 31
Views: 1654

WSJ Article: How to Lobby for a Better 401k Plan

Hi Everyone:

Liam Plevin has a nice WSJ article on how to lobby for a better 401k plan at your place of work. He mentioned the bogleheads wiki in the article.

http://www.wsj.com/article_email/how-to ... MDIyNjAwWj
by Mel Lindauer
Fri Feb 20, 2015 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ Article: How to Lobby for a Better 401k Plan
Replies: 0
Views: 293

Reporter doing story on Total Bond Index Fund

Hi Everyone: Kirsten Grind, a known reporter for the Wall Street Journal, would like to interview investors in the Vanguard Total Bond Market Index fund. If you're interested in being interviewed for the story, contact Kirsten at the email address below by next Friday, Feb. 27. Kirsten Grind Wall St...
by Mel Lindauer
Fri Feb 20, 2015 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Total Bond Index Fund
Replies: 0
Views: 379

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

Happy Birthday from the Great White North. It may be frigid outside with record cold weather but this place remains a warm refuge for Jack Bogle adherents and devotees. http://www.financialwisdomforum.org/forum/images/smilies/icon_thumbsup.gif And a tip of the hat to you for all your help in gettin...
by Mel Lindauer
Thu Feb 19, 2015 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2340

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

How time flies. Happy 8th Birthday, bogleheads.org.
by Mel Lindauer
Wed Feb 18, 2015 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2340

Re: Variable Annunity ??

Here's a Forbes column I did on this ripoff practice.

http://www.forbes.com/2010/07/02/variab ... dauer.html
by Mel Lindauer
Wed Feb 18, 2015 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Variable Annunity ??
Replies: 20
Views: 1220

Re: Variable Annunity ??

Posts like this make me sick to my stomach. A variable annuity within a qualified account is a sure sign of getting ripped off. She could try to make a point of getting her money back, but I suspect that it's a lost cause. I'm sure the surrender charge rates are horrible in the first few years. Eve...
by Mel Lindauer
Wed Feb 18, 2015 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Variable Annunity ??
Replies: 20
Views: 1220

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Gropes & Ray wrote:Any update on our media outreach?


Yes, several national publications and a major web site have said they'd like to help. Let's see how it plays out.
by Mel Lindauer
Wed Feb 18, 2015 5:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Really sad and disappointing to see that we still haven't even reached 1000 signatures. Mr. Lindauer, thanks to you - and the others - for your continuing efforts in this matter. I, too, am disappointed. I figure that anyone who is now enjoying the benefits of a low cost, cap weighted, index fund i...
by Mel Lindauer
Mon Feb 16, 2015 8:09 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

Jazzman wrote:Thank you Mel! Take a bow my friend! I am very appreciative of the tireless work that you and the other bogleheads do to make this forum possible. I'll see you at the the next BH conference.
Jesse


Thanks, Jesse. Always nice to see your smiling face at our annual Conferences. See you in October!
by Mel Lindauer
Mon Feb 16, 2015 10:56 am
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2340

HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

Hi Everyone: On February 19th, our forum will celebrate its eighth birthday. Here's a Forbes column I did about this upcoming event. Hope you enjoy reading a bit of forum's history and ponder the amazing statistics. http://www.forbes.com/sites/thebogleheadsview/2015/02/15/bogleheads-forum-turns-eight/
by Mel Lindauer
Sun Feb 15, 2015 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2340

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Really sad and disappointing to see that we still haven't even reached 1000 signatures.
by Mel Lindauer
Sun Feb 15, 2015 1:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

gkaplan wrote:Is it possible to vote more than once? You know, stuff the ballot box? We used to do that all the time in Chicago.


You can certainly get your entire family to vote. That would help.
by Mel Lindauer
Sat Feb 14, 2015 7:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: Social Security as a bond?

I rarely disagree with Jack, but I do on this issue. SS is NOT a bond. Rather, it's an income stream that reduces the amount you need to withdraw from your "real" portfolio. Try selling your Social Security. Try using it to rebalance. Try leaving it to your heirs. With real bonds, you can ...
by Mel Lindauer
Sat Feb 14, 2015 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security as a bond?
Replies: 47
Views: 3175

Re: active vs passive in response to Larry Swedroe posting

While I'm a big believer in indexing, there's one important thing you failed to mention in your comparison, and that's that TB doesn't require an advisor with the added advisor fee layer, whereas DFA can only be purchased through an advisor (with the exception of a few 401k plans). That average 1% a...
by Mel Lindauer
Sat Feb 14, 2015 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: active vs passive in response to Larry Swedroe posting
Replies: 30
Views: 3252

Re: How many have a membership in AARP?

I You need to be aware of their renewals, though. They send you a renewal notice probably every year and if you already paid for multiple years you are extending your membership way into the future. For example, last year I decided to renew at the maximum 5-year rate. I wrote a check and set the ma...
by Mel Lindauer
Sat Feb 14, 2015 6:37 pm
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3964

Re: Hacked (at outraged) at Verizon

It sounds like no charges appeared on your credit card, correct? Even so I would call the credit card issuer and ask for a new credit card because you don't know if it was breached. It's a minor inconvenience to get a new card but should improve your peace of mind. Change your password at the Veriz...
by Mel Lindauer
Sat Feb 14, 2015 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Hacked (at outraged) at Verizon
Replies: 25
Views: 2980

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Have you added your name to the petition? If not, please do so now.
by Mel Lindauer
Sat Feb 14, 2015 5:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Petrocelli wrote:Signed. Only 696 signatures? I can probably get 10 from my pension committee alone.

Let's go Bogleheads!


Good. We can use all the help we can get, Petro.
by Mel Lindauer
Sat Feb 14, 2015 11:25 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: 2. PETITION FOR Jack Bogle's Presidential Medal of Freed

I sent Vanguard a message through the "contact us" mechanism in my account, and got, as expected, a non-response. My own fault though as I couldn't think of anything specific to ask them to do. Circulate the petition among their employees? There are thousands, are there not? Yes, I think ...
by Mel Lindauer
Thu Feb 12, 2015 9:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2. PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 10
Views: 1046

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Gropes & Ray wrote:Thanks, Mel. If we can get people to tweet the link and blog it, it's very easy to click through and sign the petition.


Yes, I Tweeted it and put it on my Facebook page. It would be nice if everyone did the same.
by Mel Lindauer
Thu Feb 12, 2015 5:03 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: 2. PETITION FOR Jack Bogle's Presidential Medal of Freed

Could someone with a Facebook account post the petition link to the Vanguard Facebook page? https://www.facebook.com/Vanguard I don't think anyone except Vanguard can post to that account. However, I have contacted Vanguard, asking them to support our efforts. Haven't heard back whether they've mad...
by Mel Lindauer
Thu Feb 12, 2015 5:01 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 2. PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 10
Views: 1046

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

I've gotten several positive responses from some of my media contacts. Let's see how it plays out.

In the meantime, contact your friends as well as anyone else you think can help get the word out. It's an uphill battle, but we can do it if everyone works hard to get others involved.
by Mel Lindauer
Thu Feb 12, 2015 1:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: Thank you Bogleheads!

I just wanted to say thank you to all the long-time Bogleheads posting in 2000-2001. The knowledge gained from this forum helped me set an asset allocation comprised of mainly low-cost funds. It also helped solidify the discipline to stick to my guns when times got rough. Well, mostly anyways... :)...
by Mel Lindauer
Thu Feb 12, 2015 10:21 am
 
Forum: Investing - Theory, News & General
Topic: Thank you Bogleheads!
Replies: 4
Views: 851

Re: PETITION FOR Jack Bogle's Presidential Medal of Freedom

Miriam2 wrote:Are we supposed to receive an email signature verification after we sign the petition?
If so, how long does it take to receive it? I'm about 3 hours after signing with no email receipt.
Perhaps I should sign again . . .


It's probably in your junk mail folder. That's where we found my wife's.
by Mel Lindauer
Wed Feb 11, 2015 11:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: PETITION FOR Jack Bogle's Presidential Medal of Freedom

Ken Schwartz wrote:The petition has just exceeded 150 signatures. :happy


Now let's keep the ball rolling. Contact your friends and others who know about Jack and Vanguard and ask them to sign the petition, too.
by Mel Lindauer
Wed Feb 11, 2015 7:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: PETITION FOR Jack Bogle's Presidential Medal of Freedom

Spread the word via email, social media, interested friend and any other way you can to help get Jack this well-deserved honor. Please help get everyone to sign the petition.
by Mel Lindauer
Wed Feb 11, 2015 6:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: Where is John C. Bogle's Presidential Medal of Freedom?

barnaclebob wrote:
LeeMKE wrote:(Solar Roadways -- google it).


Please don't. Solar roadways are a terrible idea...


Let's say on topic here (Getting Jack Bogle the Presidential Medal of Freedom).
by Mel Lindauer
Wed Feb 11, 2015 12:58 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Reporter doing story on problems e-filing state taxes

Hi Everyone: A known reporter for a national publication is looking to interview anyone who is having problems e-filing their state tax returns. If you fit that profile, PM me with your real name, email address and phone # and I'll pass it along to the reporter. Here's what the reporter asked me for...
by Mel Lindauer
Tue Feb 10, 2015 12:08 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on problems e-filing state taxes
Replies: 0
Views: 193

SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom

Another case for the Presidential Medal Of Freedom for Jack. http://www.forbes.com/sites/phildemuth/2015/02/09/where-is-john-c-bogles-presidential-medal-of-freedom/ FWIW, we nominated Jack previously, but got no response. http://www.bogleheads.org/blog/john-bogle-nomination-for-the-presidential-meda...
by Mel Lindauer
Mon Feb 09, 2015 2:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 9013

Re: Australian Chapter ?

Yes, there are lots of Aussie Bogleheads. If five or more want to establish an Australian Local Chapter and one of you agrees to be the coordinator, just PM me and I'll get your group listed on the Local Chapter map so others can find you. Good luck to our Australian Boglehead friends. Perhaps I'll ...
by Mel Lindauer
Mon Feb 09, 2015 1:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Australian Chapter ?
Replies: 2
Views: 254

Re: iPhone 6 Plus: Too large or Do You Get Used to It?

I also find there are times where I am stuck in traffic where it would be nice to read something larger than my iPhone As someone sharing the road and father of two.... Please don't ++++++++++++++ My Android Samsung Galaxy Note 4 has a "Drive Mode" which comes on automatically whenever th...
by Mel Lindauer
Sun Feb 08, 2015 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Plus: Too large or Do You Get Used to It?
Replies: 42
Views: 3045

Re: iPhone 6 Plus: Too large or Do You Get Used to It?

I went from a Blackberry to the new Samsung Note 4 which is even bigger than the 6+ (5.7" screen) and I love it. I can carry it in my back pocket, but take it out when I'm sitting. I also got a horizontal leather belt holster which I can put on the back of my belt or pants when I have a jacket ...
by Mel Lindauer
Sun Feb 08, 2015 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Plus: Too large or Do You Get Used to It?
Replies: 42
Views: 3045

Re: Vanguard Frequent trading policy

This thread is locked for moderator review.
by Mel Lindauer
Wed Feb 04, 2015 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent trading policy
Replies: 55
Views: 3530

Re: Vanguard Frequent trading policy

This thread is locked for moderator review.

[Thread unlocked, see below. --admin LadyGeek]
by Mel Lindauer
Tue Feb 03, 2015 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent trading policy
Replies: 55
Views: 3530

Re: Joining the free dinner circuit? Promises, promises.

I am thinking of some "free" dinners: "Protect Your Retirement in 2015: What are the hidden costs of mutual funds?" "How our clients have kept their money safe during market downturns." Seriously, I am out of touch with the latest angles, so I am thinking of eating the...
by Mel Lindauer
Mon Feb 02, 2015 11:59 pm
 
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 8122

Re: Wiki comments requested: The importance of asset allocat

Via PM, Tamales suggestion a revision to the introduction. From: Asset allocation involves dividing an investment portfolio among different asset categories, such as stocks, bonds, and cash. The process of determining which mix of assets to hold in your portfolio is a very personal one. The asset a...
by Mel Lindauer
Mon Feb 02, 2015 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10285

Re: Wiki comments requested: The importance of asset allocat

You are referring to mentions in: Getting started and Financial planning . The process is there (develop a plan, implement the plan), but I couldn't find anything that says why you need to save early. The answer is due to compound interest, but you really need a picture to bring the point home. See...
by Mel Lindauer
Sun Feb 01, 2015 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10285

Re: Vanguard website has Yellow Triangle over lock

likegarden wrote:I get the yellow triangle on the Bogleheads forum page, but not when I sign in.
I get the yellow triangle on the general Vanguard page, but not when I type in my User ID and click on it.
I use Chrome.


Same here. The yellow triangle disappears when I log in.
by Mel Lindauer
Sun Feb 01, 2015 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 35
Views: 3485

Re: Northwestern Mutual Roth IRA

Your break-even point will probably be relatively short since you'll be saving those high insurance company annuity costs using low-cost Vanguard funds. I agree with Mel. If the annuity fees are 1.25% of your $10,000 assets, that is $125 per year in savings after switching to Vanguard. You will be ...
by Mel Lindauer
Sun Feb 01, 2015 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Roth IRA
Replies: 12
Views: 713
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