Search found 11763 matches

by Mel Lindauer
Fri Feb 05, 2016 1:10 am
Forum: Personal Consumer Issues
Topic: Charities for Bogleheads?
Replies: 23
Views: 1117

Re: Charities for Bogleheads?

Charity begins at home: https://www.bogleheads.org/support.php And if you'd like to support the forum but want a charitable deduction, you can make your tax-deductible contribution to the IRS-approved 503c John C. Bogle Center for Financial Literacy and mark you donation for "Forum support&quo...
by Mel Lindauer
Thu Feb 04, 2016 4:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Singapore [Local Chapter Interest?]
Replies: 8
Views: 1221

Re: Singapore [Local Chapter Interest?]

Recall a few years back reading the post from a group meeting in Singapore that was trying to follow the BH philosophy using locally available investments. They posted pictures of one of their meetings. Can search forum to find them. (My quick search did not immediately find post.) If you do find t...
by Mel Lindauer
Thu Feb 04, 2016 11:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Singapore [Local Chapter Interest?]
Replies: 8
Views: 1221

Re: Singapore [Local Chapter Interest?]

Sounds like there may well be enough interest to start a Local Bogleheads Chapter in Singapore. We currently have foreign chapters in Taiwan, Paris and Dubai, and Singapore would be a nice addition. If someone wants to volunteer to be the Local Chapter coordinator, PM me with your name and email add...
by Mel Lindauer
Thu Feb 04, 2016 12:40 am
Forum: Investing - Theory, News & General
Topic: Reporter doing story on expense drop when kids go off to college
Replies: 27
Views: 2453

Reporter doing story on expense drop when kids go off to college

Kim Clark, a known Senior Writer for Money magazine, is working on a story about funding college costs, and one of the points she wanted to make in the story was how much (or if) a family’s expenses drop after the child leaves for college. Kim thought the members of the Boglehead forum would be the ...
by Mel Lindauer
Wed Feb 03, 2016 3:53 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4579

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

I just remembered something. Following is an e-mail exchange with a cybersquatter in January 2012. I guess we now know who the mystery buyer was. Hi my name is [__] from [__] Domains. I wanted to let you know that bogleheads.com is for sale.... We are selling this domain for $450. Any future costs ...
by Mel Lindauer
Wed Feb 03, 2016 3:07 pm
Forum: Investing - Theory, News & General
Topic: "Money in the stock market isn't real money"
Replies: 55
Views: 4961

Re: "Money in the stock market isn't real money"

Totally silly statement. If that were true, then a bank statement showing you owned a CD wouldn't be considered money either.
by Mel Lindauer
Sun Jan 31, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: Redeeming I-bonds after 12 months
Replies: 4
Views: 675

Re: Redeeming i-bonds after 12 months

I used my 2014 tax refund to purchase paper ibonds. I have changed my mind and would like to redeem them to invest elsewhere. I understand you must wait 12 months. These ibonds say they were issued 02/2015. I assume then that the actual date of the month does not matter and I can redeem them tomorr...
by Mel Lindauer
Sat Jan 30, 2016 8:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 51
Views: 4561

Re: Tampa Bay Local Bogleheads Chapter

Happy weekend all! We have about 5 people join the google group(including myself). What is the minimum group membership to have before we meet? 10 maybe? There is no real minimum; that's entirely up to the members. Five is the minimum number to establish a Local Chapter, but after that, the individ...
by Mel Lindauer
Sat Jan 30, 2016 7:10 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4579

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

This issue is common. When we had a legislation in CA to reform the states insurance code, the opposition bought up 403bwise.net and 403bwise.org, to drive traffic to the opposition. Of course, 403bwise.com was in support of the reform legislation. Lesson is to buy up all three domains: .org, .com ...
by Mel Lindauer
Sat Jan 30, 2016 1:54 am
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4579

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Actually it was first posted that bogleheads.com led to FPL back in 2013 by batpot, but I missed seeing that post.

viewtopic.php?p=1770218#p1770218
by Mel Lindauer
Fri Jan 29, 2016 11:44 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4579

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

LadyGeek wrote:Neurosphere hereby gets an official :sharebeer for bringing this up on the forum.


Neurospace definitely gets a great big attaboy and "thank you" for bringing it to our attention.
by Mel Lindauer
Fri Jan 29, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premiums
Replies: 33
Views: 2039

Re: Medicare Part B premiums

Thanks to everyone who answered my question. Tax years 2014 and 2015 are gone but hopefully I'll be a little smarter in 2016. Thanks to Livesoft and Drakinson, I will be able to do some tax loss harvesting. Questions are frequently asked about whether one should invest in Traditional or Roth in one...
by Mel Lindauer
Fri Jan 29, 2016 4:57 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4579

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

I'm happy to announce that, thanks to the expert legal work performed pro-bono by Boglehead attorney Serge Krimnus http://www.mkwllp.com/#people_krimnus , The John C. Bogle Center for Financial Literacy prevailed in a legal action against a financial advisor who was using our trademarked "Bogl...
by Mel Lindauer
Fri Jan 29, 2016 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Immediate Fixed Annuities
Replies: 45
Views: 2595

Re: Immediate Fixed Annuities

I'm 20 years away from needing one---but I see their value. It would be nice to have $1k of monthly income from one. I just played around with some numbers at "immediateannuities," and I'm intrigued. * $200,000 * Male at 67 yrs old * Female at 60 yrs old * 20 year pay-out period---- Joint...
by Mel Lindauer
Fri Jan 29, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Immediate Fixed Annuities
Replies: 45
Views: 2595

Re: Immediate Fixed Annuities

I'm 20 years away from needing one---but I see their value. It would be nice to have $1k of monthly income from one. I just played around with some numbers at "immediateannuities," and I'm intrigued. * $200,000 * Male at 67 yrs old * Female at 60 yrs old * 20 year pay-out period---- Joint...
by Mel Lindauer
Fri Jan 29, 2016 1:02 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4579

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Was it a UDRP decision via ICANN? https://www.icann.org/resources/pages/help/dndr/udrp-en Or some other legal method? If UDRP, congrats. Even some straightforward cases have some seemingly weird outcomes. Here's a link to the decision that awarded both domains to The John C. Bogle Center for Financ...
by Mel Lindauer
Fri Jan 29, 2016 12:36 am
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4579

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Nice work! I guess the diehards.[net/com] will be left to their current owners? I wonder if it's because the traffic is not important enough (not worth the effort) or because the name is not trademarked (questionable whether the decision would be favorable). Both of those diehards domain names are ...
by Mel Lindauer
Thu Jan 28, 2016 8:46 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 4579

BOGLEHEADS.COM AND BOGLEHEADS.NET

Hello Everyone: I'm happy to announce that, thanks to the expert legal work performed pro-bono by Boglehead attorney Serge Krimnus http://www.mkwllp.com/#people_krimnus , The John C. Bogle Center for Financial Literacy prevailed in a legal action against a financial advisor who was using our tradema...
by Mel Lindauer
Thu Jan 28, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Immediate Fixed Annuities
Replies: 45
Views: 2595

Re: Immediate Fixed Annuities

Single Premium Immediate Annuities (SPIAs) aren't one of the "hated" annuity group. They may be suitable for folks looking for a predictable stream of income that they can't outlive. Here's a Forbes column I did on SPIAs. http://www.forbes.com/2010/07/29/single-premium-immediate-annuity-so...
by Mel Lindauer
Thu Jan 28, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on energy MLP investors
Replies: 0
Views: 223

Reporter doing story on energy MLP investors

Hi Everyone: A known reporter for a national newspaper would like to talk to energy MLP investors willing to be quoted who have been surprised by MLP's features or performance. How different has your experience of MLPs been from what you expected? If you fit the profile and would like to be intervie...
by Mel Lindauer
Wed Jan 27, 2016 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 41
Views: 2690

Re: Treasury Direct is a waste of time

As many of you know, I've been a long-time supporter of Savings Bonds, but have never really been a fan of TD (I did use it for a short period to test it out). Besides all of the set-up and log-in issues and the fact that you don't get emailed 1099s, my main concern was how my heirs would possibly b...
by Mel Lindauer
Mon Jan 25, 2016 8:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3641

Re: Happy Birthday Taylor!

It's been my pleasure to know and work with this great human being since 1998. We've worked together over the years, attempting to help investors while building the Bogleheads Community into what it is today. I just completed a thoroughly enjoyable two-week Southern Caribbean cruise with Taylor and ...
by Mel Lindauer
Mon Jan 25, 2016 2:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Metro Atlanta Bogleheads?
Replies: 7
Views: 473

Re: Metro Atlanta Bogleheads?

If we get five or more Bogleheads who are interested in forming an Atlanta Local Chapter, all we need is for one of you to agree to be the Local Chapter Coordinator and you'll be in business. That person doesn't have to be an investing "guru", but rather simply communicates with the member...
by Mel Lindauer
Sat Jan 09, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: The Index Card (new personal finance book)
Replies: 13
Views: 1453

Re: The Index Card (new personal finance book)

VictoriaF wrote:It's noteworthy that the advice is given on an index card.

Victoria


You're just too clever, Victoria. you don't miss a thing! :D

(PS - Victoria is the creator of the Bogleheads Secret Handshake.)
by Mel Lindauer
Fri Jan 08, 2016 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: DIY or Annuity? What should I choose for retirement income?
Replies: 13
Views: 1108

Re: DIY or Annuity? What should I choose for retirement income?

You didn't say how old you are, but here's a Forbes column I wrote a while back that combines "DIY" AND "Annuity". Depending on your age, this might be something to consider. You can actually have both. A Simple Way To Build Your Own Annuity http://www.forbes.com/sites/theboglehe...
by Mel Lindauer
Thu Jan 07, 2016 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: MassMutual Variable Annuity
Replies: 9
Views: 761

Re: MassMutual Variable Annuity

My parents -- typical middle-class, not terribly interested in financial matters -- finally agreed to let me help them streamline their investments yesterday. It's mostly standard, American Funds-type stuff, except for one thing -- a MassMutual Transitions Select Variable Annuity. I don't understan...
by Mel Lindauer
Thu Jan 07, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: Chinese Move to Stabilize Stock Market
Replies: 41
Views: 5496

Re: Chinese Move to Stabilize Stock Market

I get the sense that China could wind up being a much more serious issue for the markets than Greece. This time is never different. China has had years and years of very significant growth and the accompanying shady fiscal/monetary/market dealings. One way or another, sooner or later there will be ...
by Mel Lindauer
Wed Jan 06, 2016 8:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Attracts Record Flows in 2015
Replies: 26
Views: 2308

Re: "Vanguard Hauls in Record"

Bogleheads: Today's Wall Street Journal's "Money & Investing" headline: "Vanguard Hauls in Record" These are excerpts: "Investor's poured an industry record of $236 billion into mutual-fund company Vanguard Group in 2015, the latest evidence of a shift away from money m...
by Mel Lindauer
Tue Jan 05, 2016 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable Foundation-Advisor
Replies: 4
Views: 201

Re: Charitable Foundation-Advisor

Actually, when you own the Vanguard Index funds that you want your organization to hold, you are, indeed, hiring a manager - Vanguard. And, as far as fiduciary duty goes, since indexing outperforms about 80% of active funds, you're actually risking not performing your fiduciary duty by choosing a st...
by Mel Lindauer
Tue Jan 05, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: When will Value outpeform Growth?
Replies: 62
Views: 5049

Re: When will Value outpeform Growth?

... If, as Jack Bogle suggests (own the haystack), you wouldn't have to worry about trying to outperform the market when you may well underperform it for decades. Bogleheads believe in owning the market and accepting the market's returns, knowing that they'll never underperform. Nothing else can gu...
by Mel Lindauer
Mon Jan 04, 2016 9:59 pm
Forum: Investing - Theory, News & General
Topic: Thanks China!
Replies: 40
Views: 5259

Re: Thanks China!

LadyGeek wrote:I removed an off-topic comment. This thread is locked for moderator review.


After Moderator review, this thread will remain locked. Today's over and done with and we've had both economic and political comments, neither of which is allowed.
by Mel Lindauer
Mon Jan 04, 2016 9:20 pm
Forum: Investing - Theory, News & General
Topic: When will Value outpeform Growth?
Replies: 62
Views: 5049

Re: When will Value outpeform Growth?

I have been following Bogle head principles for over 25 years, I don't time the market and I invest in a diversified mix of Vanguard ETF and funds. However, my portfolio is tilted toward Value, because I read that in the long run, Value outperforms Growth stocks. Numerous studies from Fama and Fren...
by Mel Lindauer
Fri Jan 01, 2016 6:06 pm
Forum: Forum Issues and Administration
Topic: Jan 1,2016 outage?
Replies: 17
Views: 1877

Re: Jan 1,2016 outage?

Thanks! I know the Bigleheads Unite forum on Mstar, wasn't that once the Diehards? But I thought the servers were owned by Alex personally. I imagine this has evolved from some simple setup to today. Has someone written a memory alpha-type page for the wiki? This forum came about when we decided to...
by Mel Lindauer
Fri Jan 01, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: First Day of Retirement
Replies: 32
Views: 3341

Re: First Day of Retirement

Hello Bogleheads, Today is my first day of retirement. Yes, it’s a Holiday but I don’t get paid for it, so I guess it’s official. Feels pretty good. No big plans other than to move back to my home state to be closer to friends and relatives. I’ve been chasing work across the US for the past 15 year...
by Mel Lindauer
Fri Jan 01, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 73
Views: 7978

Re: Are Bogleheads Buying I-Bonds 2016?

I have bought I-Bonds for each of us, on auto-pilot, because somehow I thought it was a good idea. From the wiki: I Bonds redeemed when the investor is in a high tax bracket may provide little or no positive after-tax, after-inflation return, especially if they are held for shorter periods of time....
by Mel Lindauer
Fri Jan 01, 2016 5:43 pm
Forum: Forum Issues and Administration
Topic: Jan 1,2016 outage?
Replies: 17
Views: 1877

Re: Jan 1,2016 outage?

^Eh? I thought Bogleheads was on its own, separate from the Mstar forum? That's true. This forum isn't associated with M*. There is still a Bogleheads Unite forum on M* where Taylor and I still post because our first book directed readers there. We also felt a sense of loyalty to Joe Mansueto, the ...
by Mel Lindauer
Fri Jan 01, 2016 5:37 pm
Forum: Investing - Theory, News & General
Topic: Kiplinger article about "Bogleheads"
Replies: 7
Views: 1127

Re: Kiplinger article about "Bogleheads"

I understand that the author was unable to get into the sold out Philadelphia BH meeting, but was able to go to the Vanguard meeting. He said that he would come to more Arlington meetings. Nice quotes from BHs Lydia and Victoria. I felt bad for Lydia missing the National meeting in Phillie. The poo...
by Mel Lindauer
Fri Jan 01, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 73
Views: 7978

Re: Are Bogleheads Buying I-Bonds 2016?

I have bought I-Bonds for each of us, on auto-pilot, because somehow I thought it was a good idea. From the wiki: I Bonds redeemed when the investor is in a high tax bracket may provide little or no positive after-tax, after-inflation return, especially if they are held for shorter periods of time....
by Mel Lindauer
Fri Jan 01, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 646
Views: 14433

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

1313.13 is my annual "unlucky joke". Here's hoping I never win.

Perhaps one of these years I'll try deuces wild.
by Mel Lindauer
Thu Dec 31, 2015 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Losses at Betterment.com ... HELP!
Replies: 81
Views: 7293

Re: Losses at Betterment.com ... HELP!

I think it's safer to say, over any time period x, there is a 50/50 chance that you will gain/lose money in the stock market. If you look at the market history, I think you'll find that it goes up more often than it goes down (in years). Perhaps you're thinking of the possibility of losing up to 50...
by Mel Lindauer
Thu Dec 31, 2015 8:41 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST LEADERS
Replies: 53
Views: 4086

Re: 2015 BOGLEHEAD CONTEST LEADERS

Congrats, Victoria. I'm glad that you won instead of me. I never really want to win with my annual 1313.13.
by Mel Lindauer
Thu Dec 31, 2015 4:18 pm
Forum: Investing - Theory, News & General
Topic: The Contest~a "Push" for 2015?
Replies: 22
Views: 1982

Re: The Contest~a "Push" for 2015?

Shouldn't there also be a prize awarded to the poster whose guess was furthest from the S&P 500 year end composite? Demonstrating that smart people don't make smart predictions. This would put Mel, YDNAL and noyopacific in the running... but the serious money would be on k66 —surely a genius, s...
by Mel Lindauer
Thu Dec 31, 2015 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Losses at Betterment.com ... HELP!
Replies: 81
Views: 7293

Re: Losses at Betterment.com ... HELP!

This thread is locked for Moderator review.
by Mel Lindauer
Wed Dec 30, 2015 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 2869

Re: vwehx [Vanguard Hi-Yield Corporate Fund]

Vanguard experts have not included High Yield in either the Target or Life Strategy funds and have research on the website on this topic. Actually, a small dose of HY is going to be included in the new Vanguard active "total bond fund". Hi Mel, Wow! I was unaware of that. Do you happen to...
by Mel Lindauer
Wed Dec 30, 2015 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 2869

Re: vwehx [Vanguard Hi-Yield Corporate Fund]

abuss368 wrote:Vanguard experts have not included High Yield in either the Target or Life Strategy funds and have research on the website on this topic.


Actually, a small dose of HY is going to be included in the new Vanguard active "total bond fund".
by Mel Lindauer
Wed Dec 30, 2015 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 2869

Re: vwehx [Vanguard Hi-Yield Corporate Fund]

Mel, in your post , and abuss368, in yours , you write of using junk bonds to avoid going "all the way," and "all in," respectively, by which I can only assume you mean 100% equities. If OP's question was about investing the entire portfolio in equities versus putting all of it ...
by Mel Lindauer
Wed Dec 30, 2015 3:55 pm
Forum: Investing - Theory, News & General
Topic: How much have you made through long-term investments so far?
Replies: 24
Views: 1772

Re: How much have you made through long-term investments so far?

LadyGeek wrote:Thread locked for moderator review.


This thread will remain locked (non-actionable).
by Mel Lindauer
Tue Dec 29, 2015 7:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Kansas City Diehard Group
Replies: 22
Views: 9165

Re: Kansas City Diehard Group

I have been and remain interested in a Chapter for Kansas City, but have not acted on this desire. I am not an official contact and do not know any specifics regarding starting a Chapter. However, if a couple people are interested in going forward, I am game. Perhaps an interested party or two coul...
by Mel Lindauer
Tue Dec 29, 2015 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation Help: Too Many I-Bonds?
Replies: 32
Views: 2706

Re: Bond Allocation Help: Too Many I-Bonds?

Several comments. 1. I don't think there's such a thing as "too much in ultra-safe I Bonds". They provide additional tax-deferred space, freedom from state and local taxation and they can be used, tax-free for qualifying educational expenses for you or your children. 2. Once past the one-...
by Mel Lindauer
Tue Dec 29, 2015 12:09 am
Forum: Investing - Help with Personal Investments
Topic: vwehx [Vanguard Hi-Yield Corporate Fund]
Replies: 52
Views: 2869

Re: vwehx [Vanguard Hi-Yield Corporate Fund]

Of course, Mel, and if I may play the (not sure of the term for the person whose job is to argue in favor of newly recognizing a Saint), what's the advantage of using an instrument which blends the characteristics of stocks and bonds when one could simply choose the division directly? If junk corpo...

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