Search found 12010 matches

by Mel Lindauer
Sun Jul 24, 2016 1:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Jacksonville Local Chapter?
Replies: 21
Views: 4597

Re: Jacksonville

If one of you agrees to be the Local Chapter Coordinator, just PM me with your contact information (first name and an e-mail address) and I'll make your group "official" and add you to the Local Chapters Map so others can find and contact you. In the meantime, feel free to continue to use...
by Mel Lindauer
Thu Jul 21, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 51
Views: 6131

Re: What really happens to people who run out of their money in retirement

joe8d wrote:What is troubling to me, is the Retirees that get involved in gambling ( Lottery, Casino,s etc. ) at that late stage in life.


It's really sad, but a number of elderly fall for scams, too.
by Mel Lindauer
Thu Jul 21, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 51
Views: 6131

Re: What really happens to people who run out of their money in retirement

In the case of a family member that is 89, she borrows money from her daughter as needed (which is frequently). Any out of the ordinary expense (repair, replace) she needs to borrow and usually for the property taxes. She owns a house, but that is it. Her daughter will get 1/2 of the house when she...
by Mel Lindauer
Thu Jul 21, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 51
Views: 6131

Re: What really happens to people who run out of their money in retirement

And don't forget that a reverse mortgage is an option that can help.
by Mel Lindauer
Thu Jul 21, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Reporter doing story on low-volatility ETFs
Replies: 0
Views: 150

Reporter doing story on low-volatility ETFs

A known reporter for the WSJ is looking to interview folks who meet the following criteria. If you fit the bill, contact Aaron directly. ************************************** Hi there, I'm a reporter for the Wall Street Journal and I'm looking for people who've been buying low volatility ETFs. They...
by Mel Lindauer
Wed Jul 20, 2016 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: convert savings bonds after death
Replies: 10
Views: 665

Re: convert savings bonds after death

I don't understand what you're asking. If you want to cash in the bonds, and your bank will redeem them, then there's no problem. But if you want to continue to hold the bonds, there may be a problem for your beneficiaries. I inherited savings bonds when my aunt passed. They were titled to both my ...
by Mel Lindauer
Wed Jul 20, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Little update
Replies: 12
Views: 1128

Re: Little update

Nice milestone. Keep up the good work and realize that there will be down periods over your lifetime, but then you'll be buying at the lower prices. The only days that really matter are the day you buy and the day you sell. Everything in between ins merely noise.
by Mel Lindauer
Mon Jul 18, 2016 10:38 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 2830

Re: Happy Birthday, Mel! Boglehead #2.

Happy birthday Mel. You're the greatest! Steve Thanks, Steve. Keep up the good fight. How's the book doing? Sorry Mel, I did not notice your question till now. In 3.5 years, I have given away over 11,000 paperbacks and iBooks, and sold about 700 through Amazon. As you probably know that most books ...
by Mel Lindauer
Sun Jul 17, 2016 5:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 2830

Re: Happy Birthday, Mel! Boglehead #2.

Thanks, Kathleen and Miriam.
by Mel Lindauer
Sun Jul 17, 2016 11:58 am
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 48
Views: 4935

Re: ORLANDO Chapter Bogleheads

Hi every body, Let some one else take the Lead, due to personal reasons I am unable to be the Coordinator. Thanks If someone wants to volunteer to take over as the new Local Chapter Coordinator, please contact me via PM with a name and email address that you'll use for this purpose. The Chapter Coo...
by Mel Lindauer
Sat Jul 16, 2016 8:37 am
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 80
Views: 9029

Re: Got a Question for Jack Bogle? Post it Here.

boglephreak wrote:more of a question for Mel and the other organizers, has this event been livestreamed in the past "(e.g., twitch.tv)? will it be livestreamed this time?


No and no. We do have a volunteer videographer.
by Mel Lindauer
Fri Jul 15, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Where to Put MRD Proceeds
Replies: 9
Views: 728

Re: Where to Put MRD Proceeds

I turn 70 1/2 this year so need to take a distribution from two IRA's held in Vanguard funds. No need for complete financial picture- we (spouse and I) are comfortable with lifetime incomes. As of now, my intent is to use MRD $ as a back-up savings account as we already have emergency fund etc. My ...
by Mel Lindauer
Tue Jul 12, 2016 2:51 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on crowdfunding and taxes
Replies: 0
Views: 165

Reporter doing story on crowdfunding and taxes

Hi Everyone:

A known reporter for a national publication would like to talk to people about crowdfunding and taxes. Have you had questions about or issues with the taxes on crowdfunding? If you have and you're willing to be quoted, pls. email Laura.Saunders@wsj.com.
by Mel Lindauer
Fri Jul 08, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: Retitling Ibonds??
Replies: 4
Views: 390

Re: Retitling Ibonds??

I need some information or advice, and I wonder if someone on the Forum might be able to help me. I bought a number of IBonds some years ago and since then they have more than doubled in value, so that now they are worth a little more than $!50,000. I also have a trust, and the trust attorney told ...
by Mel Lindauer
Fri Jul 08, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Services Experiences: Tell Me About Your Experience
Replies: 26
Views: 2822

Re: Vanguard Personal Advisor Services Experiences: Tell Me About Your Experience

My view is that elderly people and those who don't want to learn much about investinf should stick to 1 fund and not worry about meetings and managers picking a range of funds they don't understand. Vanguard wellesley or a suitable target retirement/lifestrategy fund comes to mind. Coupled with CDs...
by Mel Lindauer
Fri Jul 08, 2016 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Can we start another forum section? [Taxation of Social Security benefits]
Replies: 60
Views: 4388

Re: Can we start another forum section?

You can post about it as much as needed, but it's not going to be in a separate spot that's designated for that specific purpose. Read what interests you and ignore what doesn't. I think that's what most folks (including me) do. In fact, I don't even pay attention to which forum it was posted in, bu...
by Mel Lindauer
Fri Jul 08, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Services Experiences: Tell Me About Your Experience
Replies: 26
Views: 2822

Re: Vanguard Personal Advisor Services Experiences: Tell Me About Your Experience

My view is that elderly people and those who don't want to learn much about investinf should stick to 1 fund and not worry about meetings and managers picking a range of funds they don't understand. Vanguard wellesley or a suitable target retirement/lifestrategy fund comes to mind. Coupled with CDs...
by Mel Lindauer
Wed Jul 06, 2016 1:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 2830

Re: Happy Birthday, Mel! Boglehead #2.

sschullo wrote:Happy birthday Mel. You're the greatest!
Steve


Thanks, Steve. Keep up the good fight. How's the book doing?
by Mel Lindauer
Tue Jul 05, 2016 10:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 2830

Re: Happy Birthday, Mel! Boglehead #2.

JaneyLH wrote:Sorry to be sending belated wishes, but I owe you so much. Happy, happy birthday! :sharebeer


Never too late. Thanks for the good wishes.
by Mel Lindauer
Tue Jul 05, 2016 4:34 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on investing in low-return environment
Replies: 1
Views: 566

Reporter doing story on investing in low-return environment

Hi Everyone: A known reporter who cover stocks here at the Wall Street Journal is looking to talk with investors who are concerned about the current low-return environment and what it means for savings and retirement. A McKinsey study, for example, recently suggested that stock and bond returns over...
by Mel Lindauer
Tue Jul 05, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Getting out of VUL plan
Replies: 25
Views: 1883

Re: Getting out of VUL plan

I was sold a VUL several years ago, and wanted to get out of it. I took a look at the numbers, had them run some illustrations for me and devised what I thought was a reasonable plan. Just wanted to see if anyone had any comments or things that I hadn't thought of yet. -approx ~$215k paid in premiu...
by Mel Lindauer
Sun Jul 03, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Some high points of McClung's Living Off Your Money book
Replies: 2
Views: 926

Re: Some high points of McClung's Living Off Your Money book

This thread is a duplicate and is locked. Use the link to post on the original thread.
by Mel Lindauer
Sat Jul 02, 2016 6:41 pm
Forum: Forum Issues and Administration
Topic: BH [Bogleheads.org forum] is back!
Replies: 51
Views: 4986

Re: BH [Bogleheads.org forum] is back!

pondering wrote:How much should we donate to keep the site running?


I'd say whatever you feel it's worth to you.
by Mel Lindauer
Fri Jul 01, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (June 2016)
Replies: 14
Views: 1029

Re: madsinger monthly report (June 2016)

White Coat Investor wrote:First time I recall seeing the Hot Hands portfolio doing so lame. I guess it works until it doesn't.


Yep, that's the way it goes with most of these "systems" for beating the market.
by Mel Lindauer
Wed Jun 29, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: What to buy now?
Replies: 4
Views: 600

Re: What to buy now?

Hi there, I am reading the Guide to Investing and I think it is fabulous! I am from Lima, Peru and living in the US for more than fourteenth years. I have been investing some money for retirement in the last eight years but I have not been wise about my choices. Last year I invested $2,500 on my RO...
by Mel Lindauer
Wed Jun 29, 2016 11:35 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11434

Re: What did you learn from the post-Brexit bloodbath?

This thread has run its course and is locked.
by Mel Lindauer
Tue Jun 28, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 10435

Re: BREXIT - Whats the big deal?

Thread locked for Moderator Review.
by Mel Lindauer
Mon Jun 27, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity; Can you contribute 10% withdrawal amount into an IRA?
Replies: 7
Views: 556

Re: Annuity; Can you contribute 10% withdrawal amount into an IRA?

boglephreak wrote:The annuity officer said it could be contributed to an IRA, but I would like confirmation from anyone with knowledge. I only trust him so far. Thanks.


Call Vanguard's retirement folks to get a definitive answer and perhaps get the paperwork started to make the transfer.
by Mel Lindauer
Sun Jun 26, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity Question, early withdrawal?
Replies: 11
Views: 823

Re: Variable Annuity Question, early withdrawal?

I'm wondering if I should just cash it in now, pay taxes on the growth, pay 10% penalty, and place that money into an IRA or wait 13 years to do it. nevermind...forgot about the traditional IRA limits. I could move into taxable, but that's probably not worth it. A good option would be to do a 1035 ...
by Mel Lindauer
Sun Jun 26, 2016 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity Question, early withdrawal?
Replies: 11
Views: 823

Re: Variable Annuity Question, early withdrawal?

I am 46 and have a non-qualified annuity that has doubled in value from the initial $50,000 to $100,000 I now know I should have just put this money into an IRA, but that just split milk under the bridge. What should I do with it now? I could withdraw it all and move it into an IRA, pay income tax ...
by Mel Lindauer
Sun Jun 26, 2016 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a variable annuity?
Replies: 6
Views: 578

Re: What to do with a variable annuity?

Welcome to the forum! If you don't need the annuity features, there is no reason to pay the extra cost for the annuity (even a lower-cost alternative); you might as well roll it into an ordinary investment in an IRA. You'll probably get higher returns if you invest in the same asset classes, since ...
by Mel Lindauer
Sun Jun 26, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings - is it more complicated?
Replies: 8
Views: 732

Re: Retirement Savings - is it more complicated?

If a person has been living on $50K per year for most of their career (while saving the rest for retirement) and they intend to continue living on this amount in retirement, then does it stand to reason that 25 x $50K, or $1,250M would be enough for a retirement number? Does it need to be more comp...
by Mel Lindauer
Sun Jun 26, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: Brexit: What does Vanguard think?
Replies: 29
Views: 5489

Re: Brexit: What does Vanguard think?

Got me to thinking - how often does VG rebalance to maintain target AA in the Target funds? Would an episodic shift like this prompt a rebalance? Many of the Target funds, including the 2035 we have a bunch of, have a high Foreign exposure. Actually, my understanding is that the rebalancing is done...
by Mel Lindauer
Sun Jun 26, 2016 10:29 am
Forum: Forum Issues and Administration
Topic: BH [Bogleheads.org forum] is back!
Replies: 51
Views: 4986

Re: BH is back!

Thanks to the folks who spent their Saturday night in whole or in part to resolve any issues impacting the site availability. Everyone should keep in the front of their mind these folks are volunteers! Thanks again Perhaps it's time for folks to think about making a contribution to help offset some...
by Mel Lindauer
Sat Jun 25, 2016 11:33 am
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 80
Views: 9029

Re: Got a Question for Jack Bogle? Post it Here.

Still time to post your question here for Jack Bogle.
by Mel Lindauer
Fri Jun 24, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: Brexit: What does Vanguard think?
Replies: 29
Views: 5489

Brexit: What does Vanguard think?

Vanguard shares their thoughts with investors on the Brexit issue.

https://personal.vanguard.com/us/insigh ... t-l-062016
by Mel Lindauer
Fri Jun 24, 2016 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Recommend an Independent Financial Advisor, please? [fee-only]
Replies: 24
Views: 1864

Re: Recommend an Independent Financial Advisor, please? [fee-only]

Hello, I mainly have Vanguard funds, but also non-Vanguard funds in addition to real estate and commodity funds. I've been basically on my own with Vanguard for ten years, with the Vanguard CFPs not straying from their Vanguard rule book. I recently transitioned into retirement and I would like to ...
by Mel Lindauer
Thu Jun 23, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Socail Security running out 2034
Replies: 21
Views: 1345

Re: Socail Security running out 2034

This thread is locked. Speculation on future legislation with political remarks thrown in.
by Mel Lindauer
Thu Jun 23, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: Are you prepared for a high-inflation environment?
Replies: 12
Views: 1283

Re: Are you prepared for a high-inflation environment?

I Bonds and TIPS are designed to provide inflation protection. I Bonds also offer DEflation protection.
by Mel Lindauer
Thu Jun 23, 2016 8:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 2830

Re: Happy Birthday, Mel! Boglehead #2.

Happy birthday, Mel! You're a great man. In unsung hero! We are all eternally thankful for everything you have done to make this forum and the Bogleheads the success it has become. Have a wonderful day! Semper Fi Rick Ferri Thanks for the kind words, Rick. Coming from you, they're especially meanin...
by Mel Lindauer
Wed Jun 22, 2016 7:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 2830

Re: Happy Birthday to Mel [Lindauer]

Thanks again to everyone for the birthday wishes and kind words. Definitely warms the old heart.
by Mel Lindauer
Tue Jun 21, 2016 12:01 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 5040

Re: John Bogle Webinar at Vanguard

Thank you for posting this Stemikger! What a nice treat for those of us who missed the original. Interesting that when Mr. Bogle started the first index fund, Wall Street had a poster warning investors: "Stamp out index funds - they are un-American." Yes, I saw that poster in Vanguard's t...
by Mel Lindauer
Sun Jun 19, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 501c3 or 501c6? Which type?
Replies: 3
Views: 235

Re: 501c3 or 501c6? Which type?

Hi, All A group of people in my town want to start a non-profit corporation which will help the elderly and the caregivers who serve them. The non-profit's income will go to *tuition fees to help caregivers who can't afford training fees get trained and certified *supplement caregiver pay when pati...
by Mel Lindauer
Sun Jun 19, 2016 11:00 am
Forum: Investing - Theory, News & General
Topic: Reporter doing story on active funds in taxable account
Replies: 3
Views: 514

Re: Reporter doing story on active funds in taxable account

I don't do enough for a newspaper story but I realized pretty quickly that active funds in a taxable account is not a good idea. My first stock investment was made on July 16, 1984 in a Large Cap Growth fund. It was with a mutual fund company that practiced earnings and price momentum so the fund h...
by Mel Lindauer
Fri Jun 17, 2016 8:40 pm
Forum: Investing - Theory, News & General
Topic: Can an entire country retire?
Replies: 8
Views: 918

Re: Can an entire country retire?

This thread is locked. Speculative/hypothetical. Non-actionable.
by Mel Lindauer
Fri Jun 17, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: College costs - Grandparents want to pay - Need help
Replies: 18
Views: 1855

Re: College costs - Grandparents want to pay - Need help

livesoft wrote:They should pay the colleges directly.

Here is a thread from last month with lots of good grandparent ideas: viewtopic.php?p=2924116#p2924116

Be sure to READ the linked articles, too.


Agree. By paying the college directly, they can avoid any gift tax issues.
by Mel Lindauer
Fri Jun 17, 2016 4:30 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on bitcoin or other virtual currencies.
Replies: 7
Views: 831

Re: Reporter doing story on bitcoin or other virtual currencies.

LAlearning wrote:edit title.
bitcom sounds exciting though....like the 90s dot com all over again.


Thanks for catching that typo. I fixed it.
by Mel Lindauer
Fri Jun 17, 2016 4:23 pm
Forum: Investing - Theory, News & General
Topic: At what point (if any) would you change your AA?
Replies: 23
Views: 1494

Re: At what point (if any) would you change your AA?

With my poor history of chasing returns, I'm better off not trying to boost return by any tactical allocation changes. My last move was ten years ago, I bought into a fund that was down by 10% and it kept falling, hasn't recovered yet. My preference is to save more/spend less if I want my portfolio...
by Mel Lindauer
Fri Jun 17, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 171
Views: 16331

Re: Buying a Rolex Watch

This year-long thread has run its course and is locked.
by Mel Lindauer
Fri Jun 17, 2016 3:25 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on active funds in taxable account
Replies: 3
Views: 514

Reporter doing story on active funds in taxable account

A reporter for a national newspaper would like to hear from investors who hold (or held) actively-managed funds in taxable accounts and didn't like their tax bills. Contact Laura.Saunders@wsj

If you fit that profile, please contact Laura directly.

Go to advanced search