Search found 11307 matches

Return to advanced search

Re: What Is The Worst Car You Have Ever Owned?

Historical, but not actionable. This thread is locked.
by Mel Lindauer
Sat Apr 18, 2015 2:16 pm
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1304

Re: How to use Gift Wisely to Help Pay for Graduate School

Hello! This is a fantastic windfall, and I'd like to make this money work for me a little with good return and low to no risk. What do I do with it? The most uneducated answer I have is to transfer it to a bank and use it monthly for only rent and food/living expenses. However, I'm curious about sh...
by Mel Lindauer
Fri Apr 17, 2015 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to use Gift Wisely to Help Pay for Graduate School
Replies: 10
Views: 538

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Osp62 wrote:Is there a waiting list for this conference. I am assuming that some people may need to cancel so would like to be placed on a wait list in case someone cancels. Thanks.


No, there is no wait list. If there are any cancellations, that just makes the event a bit less crowded.
by Mel Lindauer
Fri Apr 17, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 70
Views: 9790

Re: Mel's Forbes column explains "Rebalancing."

Here's a recent timely Forbes column of mine that may well be applicable here. http://www.forbes.com/sites/thebogleheadsview/2015/04/06/dont-let-the-market-set-your-asset-allocation-rebalance/ Mel: Thank you for sharing another one of your outstanding Forbes columns. You have a way of making compli...
by Mel Lindauer
Fri Apr 17, 2015 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1242
Views: 232652

Re: UTMA and Coverdell

IMO, the first $2000 per year should go the the Coverdell since they're much more flexible than the 529. They can be used for K12 OR college expenses, whereas the 529 is for college expenses. Additional contributions beyond the $2000 for the Coverdell should then be directed to a 529 Plan. That is ...
by Mel Lindauer
Fri Apr 17, 2015 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: UTMA and Coverdell
Replies: 16
Views: 748

Re: Your Questions for Jack Bogle Q&A @ Bogleheads Conferenc

Mel, Can you please direct me to the transcript of Jack's Q&A in the 2014 Boglehead Conference? I assume it has been posted and I have missed it. Thanks. Hi Doc: It appears that the videos of everything EXCEPT Jack's Q&A has been completed and posted here: https://www.bogleheads.org/wiki/Bo...
by Mel Lindauer
Fri Apr 17, 2015 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle Q&A @ Bogleheads Conference
Replies: 6
Views: 724

Re: UTMA and Coverdell

I think it would be much much better to use a 529 plan instead. Have you and her considered a 529 plan or two instead of a Coverdell IRA? 529 can only be used for college, am I correct? I would like to be able to use it for her before she goes to college. I do not know yet if we should get a 529 ac...
by Mel Lindauer
Fri Apr 17, 2015 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: UTMA and Coverdell
Replies: 16
Views: 748

Re: U.S. stocks in freefall

Here's a recent timely Forbes column of mine that may well be applicable here.

http://www.forbes.com/sites/theboglehea ... rebalance/
by Mel Lindauer
Fri Apr 17, 2015 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1242
Views: 232652

Re: Would you buy 1.5 M house without AC?

I just can't imagine paying more than a million dollars for a house that didn't have a/c. Whether you choose to use it or not is entirely up to you, but being miserable in a hot house that I paid more than a million for is unthinkable to me. And, if you're thinking about adding a/c later, you have t...
by Mel Lindauer
Thu Apr 16, 2015 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 58
Views: 4217

Your Questions for Jack Bogle Q&A @ Bogleheads Conference

Hello Everyone: Once again I'll have the distinct pleasure of moderating a Question and Answer session with our friend and mentor, Jack Bogle. The Q&A will take place at our annual get-together with Jack at the 2015 Bogleheads Conference in Philadelphia on October 14-16, 2015. Many of you won't ...
by Mel Lindauer
Thu Apr 16, 2015 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Your Questions for Jack Bogle Q&A @ Bogleheads Conference
Replies: 6
Views: 724

Re: 2015 net worth survey

Locked for Moderator review. (Reopening previously-locked topic.)
by Mel Lindauer
Thu Apr 16, 2015 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: 2015 net worth survey
Replies: 20
Views: 2844

Re: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years

Thank you Mel. Your Forbes article "A Simple Way To Build Your Own Annuity" provided me the impetus to pursue this strategy to guarantee coverage of my basic retirement needs, so it's great to hear your input. It seems like I Bonds would indeed be good in deflation (you'd basically earn t...
by Mel Lindauer
Sun Apr 12, 2015 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years
Replies: 22
Views: 1854

Re: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years

I'm looking to create a 20-year ladder of US Government Bonds, and trying to understand which instruments to use given potential inflation and deflation concerns. From my research on this forum and elsewhere, it seems like these are the main options, and they all have pros and cons: 1) US Series I ...
by Mel Lindauer
Sat Apr 11, 2015 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years
Replies: 22
Views: 1854

Re: "The Real Point of Active Investing"

According to the author, “The goal of active investing has nothing to do with outperforming the market.” http://www.thinkadvisor.com/2015/04/06/the-real-point-of-active-investing It occurs to me that in the history of the securities markets there has never been a more popular or more successful str...
by Mel Lindauer
Wed Apr 08, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: "The Real Point of Active Investing"
Replies: 10
Views: 1611

Re: Is CitiBank a Good Company to Do Business With?

The only relationship I have with Citi is through multiple credit cards and I've never had a problem. I love their Virtual Account Number feature and use it for every online purchase. I make purchases, pay the bill when due, it works. +1 In addition, in terms of answering the phone, handling disput...
by Mel Lindauer
Mon Apr 06, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Is CitiBank a Good Company to Do Business With?
Replies: 12
Views: 1156

Social Security: How to decide when it's time

Good Vanguard article providing information to help folks decide when might be the best time to start collecting.

https://personal.vanguard.com/us/insigh ... cript=true
by Mel Lindauer
Fri Apr 03, 2015 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security: How to decide when it's time
Replies: 2
Views: 769

Re: Any Magic Jack users out there?

I'm considering giving up our landline phone when we move into our new house in June. I know you lose your phone service if you lose internet service and that you don't have reverse 911. Are there any other drawbacks to VOIP? If we do go this route, how do we get a phone number? TIA. Chris Hi Chris...
by Mel Lindauer
Thu Apr 02, 2015 8:27 pm
 
Forum: Personal Consumer Issues
Topic: Any Magic Jack users out there?
Replies: 10
Views: 1204

Re: Australian Chapter ?

Hi Duffman, I would be interested in joining the Aussie chapter if you set one up Aussie BH checking in, Long time lurker. I'm in favour of an Aussie chapter :thumbsup Haven't set one up just yet, will do so this week ! Just send me a PM with your first name and an email address you want to use for...
by Mel Lindauer
Thu Apr 02, 2015 1:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Australian Chapter ?
Replies: 7
Views: 804

Re: Forest cabin as second "home"

trying to find some help getting cabin insurance at a reasonable cost: Smplegift wrote: "Insurance has been difficult to get at a reasonable price. We went without liability insurance for many years (due to its very high cost), and finally ended up creating a family LLC, which now owns the cab...
by Mel Lindauer
Wed Apr 01, 2015 8:47 am
 
Forum: Personal Consumer Issues
Topic: Forest cabin as second "home"
Replies: 27
Views: 4678

Re: A special day for two World War II veterans

Congrats, my dear friend. For those who don't know, I've raced twice in the Biscayne Regatta with Taylor, and we won both times, thanks to his sailing skills. He's quite a skipper as well as a a cherished friend and co-author of mine. Working together for the past 17 years, we've helped to build the...
by Mel Lindauer
Wed Apr 01, 2015 8:20 am
 
Forum: Local Chapters and Bogleheads Community
Topic: A special day for two World War II veterans
Replies: 20
Views: 1557

Re: Funding my Portfolio

I recently started investing on Etrade, and I have a simple question regarding funding my portfolio. I am going with the 3-fund Vangard portfolio that has been talked about on this site. When I buy shares through Etrade, I am charged 19.99 for the transaction. I would like to fund my portfolio once...
by Mel Lindauer
Mon Mar 30, 2015 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funding my Portfolio
Replies: 7
Views: 353

Re: Restaurant tipping

This thread has run its course and is locked.
by Mel Lindauer
Sun Mar 29, 2015 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12122

Re: Selling mutual funds before or after dividends

sageegirl: it was strafe who gave the compliment.....he (or she) referred to Mel as Taylor L. Is this a case of a mistaken identity within a mistaken identity? That's pretty meta. No one would have a problem with mistaken identity if they saw us together I'm the younger, good-looking one. At times,...
by Mel Lindauer
Sat Mar 28, 2015 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Selling mutual funds before or after dividends
Replies: 10
Views: 755

Re: Selling mutual funds before or after dividends

I have just transferred my IRA from a major brokerage firm to Vanguard and this is my first post. Quite a few mutual funds will be sold by Vanguard to be placed into Vanguard funds. Does it really make much difference if those mutual funds are sold pre or post the next dividends? On the surface it ...
by Mel Lindauer
Sat Mar 28, 2015 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Selling mutual funds before or after dividends
Replies: 10
Views: 755

Re: Help convince me to transfer a Met-life VA

OK, thank you all for the insight. This all helped me jump over to the better side. I am out of the surrender period so I will be dropping it. Now the next question, should I transfer to a Vanguard Annuity or just to a Vanguard Traditional IRA? I am leaning more towards the second option as I now r...
by Mel Lindauer
Sat Mar 28, 2015 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Help convince me to transfer a Met-life VA
Replies: 20
Views: 1208

Re: Total Intl Dividends

This thread is locked. It's a duplicate thread. Please use the link in livesoft's post to respond.

[See below -- admin LadyGeek]
by Mel Lindauer
Thu Mar 26, 2015 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 37
Views: 3048

Re: Phased Retirement experience and Fidelity 401k rollover

I'm a long time fan of Vanguard, low cost index fund investing and have started to read this forum over the past month and decided "what the heck, this seems like a interesting investment group". I'm currently age 57 and have signed up for a Phased Retirement Plan with an exit date of May...
by Mel Lindauer
Thu Mar 26, 2015 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Phased Retirement experience and Fidelity 401k rollover
Replies: 2
Views: 311

Re: My deployed soldier is coming home!

My 20 year old son is coming home in 28 days after being deployed for 9 months somewhere fighting ISIS. He would like to invest around $50k when he comes home. I've been trying to read as much as I can on this site and a few others, as well as trying to read books that have been recommended. But I ...
by Mel Lindauer
Thu Mar 26, 2015 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: My deployed soldier is coming home!
Replies: 24
Views: 2769

Re: R.I.P. George-J

Sad news. We've lost one of our own. http://www.president.utoronto.ca/in-memory-of-professor-george-luste George posted here for years as George-J , member #3643 of this forum, over 170 posts here (with more than 2600 posts at our Canadian cousin FWF ), Bogleheads conference attendee multiple times...
by Mel Lindauer
Wed Mar 25, 2015 5:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: R.I.P. George-J
Replies: 4
Views: 1975

Re: Traveling WiFi

Mel, I have one like yours - I think it uses Sprnt's 3G network. I don't know if they are still available without a monthly fee - one version I know charged $4.95 a month. Its perfectly adequate for occasional usage. I used mine at work today to show my colleagues my new Acer Chromebook. I intend t...
by Mel Lindauer
Tue Mar 24, 2015 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2036

Re: Traveling WiFi

It's possible that your cable or phone supplier has hot spots around the country. For example, my phone provider (AT&T) and my cable supplier (Bright House Network) both have hundreds of thousands of free access sites around the country. That's interesting Mel and was something that I vaguely k...
by Mel Lindauer
Tue Mar 24, 2015 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2036

The Only S&P 500 Index Funds You Will Ever Need

Morningstar highlights the five best S&P 500 funds in a crowded field. Spoiler alert: Vanguard comes out on top!

http://www.morningstar.com/advisor/t/10 ... r-need.htm
by Mel Lindauer
Tue Mar 24, 2015 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: The Only S&P 500 Index Funds You Will Ever Need
Replies: 11
Views: 2790

What Happens When Vanguard Owns Everything?

Interesting Morningstar article on Vanguard's growth and dominance in the marketplace. Investors are getting the message we're putting out there.

http://www.morningstar.com/advisor/t/10 ... ything.htm
by Mel Lindauer
Tue Mar 24, 2015 5:46 am
 
Forum: Investing - Theory, News & General
Topic: What Happens When Vanguard Owns Everything?
Replies: 19
Views: 4888

Re: Traveling WiFi

It's possible that your cable or phone supplier has hot spots around the country. For example, my phone provider (AT&T) and my cable supplier (Bright House Network) both have hundreds of thousands of free access sites around the country.
by Mel Lindauer
Mon Mar 23, 2015 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2036

Re: Traveling WiFi

I use the older version of Internet on the Go, a prepaid mifi device that was available at Walmart and other convenient places without a contract.
by Mel Lindauer
Sun Mar 22, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2036

Re: Free Book! Fixing 403(b) Plans

Keep up the good fight, Steve.
by Mel Lindauer
Sun Mar 22, 2015 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Free Book! Fixing 403(b) Plans
Replies: 10
Views: 628

Re: MetLife Annuity

My mother recently inherited a MetLife Annuity that is paying 5-6% interest. She has the option of either keeping it as is or taking a lump sum. I have heard some members on this board suggest MetLife may not be so secure. She really would prefer the higher interest rate, but she does not want to l...
by Mel Lindauer
Wed Mar 18, 2015 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: MetLife Annuity
Replies: 9
Views: 1067

Re: Article: The Death of The Millionaire Next Door Dream

This thread is locked for moderator review.
by Mel Lindauer
Tue Mar 17, 2015 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Article: The Death of The Millionaire Next Door Dream
Replies: 20
Views: 5417

Re: Is There a Next Jack Bogle

Silence Dogood wrote:The Bogleheads will have to carry the torch.


Yes, and that's one of the stated missions of The John C. Bogle Center for Financial Literacy.
by Mel Lindauer
Tue Mar 17, 2015 5:44 am
 
Forum: Investing - Theory, News & General
Topic: Is There a Next Jack Bogle
Replies: 37
Views: 3891

Re: Whole Life Insurance as asset protection

3. Trusts can be established that protect individuals for a one-time cost that's much less than the ongoing cost of whole life. In another thread, DAPTs came up and were thought to cost $10k to setup and probably $5k/year to maintain. That doesn't really seem cheap for any trust smaller than 7 figu...
by Mel Lindauer
Tue Mar 17, 2015 5:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance as asset protection
Replies: 40
Views: 3003

Re: They're betraying Mr. Bogle

After moderator review, this thread will remain locked.
by Mel Lindauer
Mon Mar 16, 2015 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: They're betraying Mr. Bogle
Replies: 8
Views: 2419

Re: Annuity -SPIA

We are nearing retirement less than 3 years maybe much sooner (currently age 62 and 55) and at some point would like to purchase a SPIA to cover our bare bones expenses since we have no pension only personal investments. Currently payout rates are dismal for joint life somewhere around 5% or less. ...
by Mel Lindauer
Sun Mar 15, 2015 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annuity -SPIA
Replies: 9
Views: 727

Re: USAA Flexible Retirement Savings Annuity

You'd need to read the contract carefully. Each fixed annuity purchase is normally applied to a new "bucket" which would get a new current interest rate. I've been through this before, so unless the contract specifically states that you can add to the present contract AT THE SAME GUARANTEE...
by Mel Lindauer
Sun Mar 15, 2015 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: USAA Flexible Retirement Savings Annuity
Replies: 6
Views: 1380

Re: Improving the Lifestrategy Funds

fortyofforty wrote:
abuss368 wrote:Has this ever been discussed by Vanguard or communicated to Vanguard at any of the Bogleheads conferences?


:D Don't steal my thunder. I was going to ask this question in October! :sharebeer


So was I. :D
by Mel Lindauer
Sun Mar 15, 2015 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5334

Re: Whole Life Insurance as asset protection

Multiple people here say there are better ways but they don't list them. Anyone care to fill in the blanks? Buy term and invest the difference as has been stated countless times. The only assets whole life protect are the money changers. The OP's point is that his WL cash value is protected from ba...
by Mel Lindauer
Sun Mar 15, 2015 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance as asset protection
Replies: 40
Views: 3003

Re: Improving the Lifestrategy Funds

Mel can jump in and speak for himself, but I think he did mean for Vanguard to use, within the LS funds, the underlying Admiral Share Class funds. I can't for the life of me understand why Vanguard isn't using the lowest cost funds for all LifeStrategy investors, and passing on the cost savings. Th...
by Mel Lindauer
Sun Mar 15, 2015 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5334

Re: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Curious, can anyone provide a ballpark estimate for the number of participants? 10, 100, 1000? I wonder if I can estimate from videos of previous conferences. :) We limit attendance to 200 in order to allow for more personal interaction. We don't want folks feeling they are attending a huge sportin...
by Mel Lindauer
Sun Mar 15, 2015 10:05 am
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 70
Views: 9790

Re: Improving the Lifestrategy Funds

As many others have stated, the only change I'd recommend is using the Admiral Share class of the underlying funds to lower the ER. Hi Mel, Is this possible? Could Vanguard create a Admiral share class if it held Admiral shares in the underlying funds? It wouldn't have to be an Admiral share class ...
by Mel Lindauer
Sun Mar 15, 2015 12:55 am
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5334

Re: If I Knew Then What I Know Now

Well done, Michael.

Now forum members might understand why Taylor and I were thrilled when Michael agreed to join us as a co-author on our first book, The Bogleheads' Guide to Investing.
by Mel Lindauer
Sun Mar 15, 2015 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 51
Views: 7602
Next

Return to advanced search