Search found 12092 matches

by Mel Lindauer
Sun Sep 25, 2016 11:31 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 63
Views: 8663

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

if you are in a position that you are certain you are not exposed to the risk of having to access the funds represented by the EE savings bonds in less than 20 years there are a myriad of instruments better suited as long term investments for someone in that secure of a financial position that are ...
by Mel Lindauer
Sat Sep 24, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Newly retired Police Sergeant 457(b) plan [Pennsylvania]
Replies: 12
Views: 1404

Re: Newly retired Police Sergeant 457(b) plan [Pennsylvania]

5. $630 k in First Catholic Slovak Ladies assn (FCSLA) annuity...4.62% ...no loads. 6. $109k in wife's IRA. 4.62% 12. I put $12k into each on my children's annuities per year...4.62% Let's talk about these. These all appear to be deferred annuities which you are purchasing from FCSLA. http://www.fc...
by Mel Lindauer
Sat Sep 24, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4489

Re: [500 million Yahoo accounts hacked, what should you do?]

Thank you, goingup. I changed my password yesterday. Just now, I eliminated the security questions with your help, but found an answer to them was the same as my new password, so I changed it again. :shock: Does anyone think using yahoo email for Google Docs login is a problem? FWIW, I'd handle eac...
by Mel Lindauer
Sat Sep 24, 2016 12:51 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on how couples resolve conflicts on kid's college education
Replies: 3
Views: 737

Re: Reporter doing story on how couples resolve conflicts on kid's college education

Bumping for visibility. If you meet the criteria and would like to be interviewed for the story, contact Kim via email with your name, email address and phone number.
by Mel Lindauer
Sat Sep 24, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone check my understanding of EE bonds?
Replies: 10
Views: 1191

Re: Can someone check my understanding of EE bonds?

Each investor has to analyze where they expect to be in 20 years (in the case of the EE Bonds). Younger investors might be in their peak earning years in 20 years which woud mean they're likely to be in a high tax bracket, so they might delay their purchase of EE Bonds, which must be held for 20 yea...
by Mel Lindauer
Fri Sep 23, 2016 9:08 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on how couples resolve conflicts on kid's college education
Replies: 3
Views: 737

Reporter doing story on how couples resolve conflicts on kid's college education

Hi Everyone: I received the following request from Kim Clark, a known reporter for Money Magazine. If you fit the profile and are interested in being interviewed for the story, please contact Kim directly via email and provide her with your real name, your phone number and your email address. Hi Mel...
by Mel Lindauer
Fri Sep 23, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4489

Re: [500 million Yahoo accounts hacked, what should you do?]

Grt2bOutdoors wrote:I wasn't aware there is an option to turn on two-step factor, where is that toggle?


Click on your name and then "Account Info" and the option is under "Account Security".
by Mel Lindauer
Fri Sep 23, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4489

Re: [500 million Yahoo accounts hacked, what should you do?]

I've been using two-factor authorization for some time now, even before the word about the hack job got out. I definitely plan to continue using it.
by Mel Lindauer
Fri Sep 23, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 63
Views: 8663

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

I think you're being argumentative regarding the word "space." Not my intention. There's a huge difference between the true tax-advantaged space in my IRAs and whatever tax-advantaged space is created when I buy an I Bond (or EE Bond, which I don't own), so I think it's important to highl...
by Mel Lindauer
Thu Sep 22, 2016 8:50 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 63
Views: 8663

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

I think you're being argumentative regarding the word "space." Buying EE bonds creates a tax-deferred option that I didn't previously have. That's more space. The fact that it couldn't be easily replaced with something else isn't an argument against, but rather for, the value of that spac...
by Mel Lindauer
Wed Sep 21, 2016 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: How is the financial advisor taking my mother? Annuities?
Replies: 23
Views: 2552

Re: How is the financial advisor taking my mother? Annuities?

123. Thanks for your prompt reply. I'll find this out and post the results below. The financial advisor seemed to think at a 5.5% historical (lol) return, a 4% withdraw rate on the 200 pre-tax would be plenty. I'll get you those details, though. Sounds like the advisor is thinking about his/her nic...
by Mel Lindauer
Wed Sep 21, 2016 11:39 pm
Forum: Forum Issues and Administration
Topic: Proposal - create a public Slack channel
Replies: 4
Views: 647

Re: Proposal - create a public Slack channel

Public cloud collaboration is not part of this forum. I would be very hesitant to post private financial data in a public cloud environment. The more info you post in different environments, the greater the chance for someone else to use that data in a way you didn't intend. Advertisers data mine f...
by Mel Lindauer
Wed Sep 21, 2016 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 51
Views: 3789

Re: Edward Jones exodus from American Funds?

I'm the OP. You guys eventually figured it out through the course of conversation. I actually had a part of it wrong in my OP. Through the new fiduciary ruling, EJ is making all Retirement accounts "fee-only". All accounts will be charged 1.15 to 1.35% on the total value in that account e...
by Mel Lindauer
Wed Sep 21, 2016 11:00 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 63
Views: 8663

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

Many people are missing the fact that they are tax deferred which is as good as tax free for some people. For people able to do tax arbitrage effectively this is extremely valuable. I have a marginal tax rate now of 40%+ and will plan to pay almost nothing on the interest in 20 years when I am not ...
by Mel Lindauer
Wed Sep 21, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds now or in November?
Replies: 4
Views: 816

Re: I-Bonds now or in November?

I just opened two TD accounts (one individual and one trust) and would like to max each out this year ($10k each). Beginning next year I imagine I'll split my annual purchases between May and November. For this year, should I considering doing half now and half in November? Edit: Or is this a silly...
by Mel Lindauer
Wed Sep 21, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: Bogle tilts toward Value in his own portfolio
Replies: 34
Views: 3779

Re: Bogle tilts toward Value in his own portfolio

As has been pointed out, that's a 10-year old article that mentions "legacy funds". However, it could have been posted yesterday, because nothing's changed and nothing's going to change for rather obvious reasons: 1. Jack invested in those funds when they were first established, so he's go...
by Mel Lindauer
Wed Sep 21, 2016 1:28 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 51
Views: 3789

Re: Edward Jones exodus from American Funds?

Thanks to all of the replies. The PIMCO example helped set my mind at ease. I'm in the middle of deciding what move I'm going to make with my portfolio, because what I have is not getting it done. I am looking at VG. I'm also considering the tax consequences since the vast majority of my savings is...
by Mel Lindauer
Tue Sep 20, 2016 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 51
Views: 3789

Re: Edward Jones exodus from American Funds?

Thanks to all of the replies. The PIMCO example helped set my mind at ease. I'm in the middle of deciding what move I'm going to make with my portfolio, because what I have is not getting it done. I am looking at VG. I'm also considering the tax consequences since the vast majority of my savings is...
by Mel Lindauer
Tue Sep 20, 2016 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 51
Views: 3789

Re: Edward Jones exodus from American Funds?

First time post... I have an Edward Jones account. It is filled with American Funds. The new fiduciary rule is forcing changes in everyone's accounts. It will change to fee based advice structure. 1.3% annually on total account value. I won't go into all of the problems I have with this change, but...
by Mel Lindauer
Tue Sep 20, 2016 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone check my understanding of EE bonds?
Replies: 10
Views: 1191

Re: Can someone check my understanding of EE bonds?

sport wrote:
Mel Lindauer wrote:2. If you have a trust, you can purchase another $10k for the trust. So a couple with a trust could invest $30K per year.

3. If a couple each has their own trust, they could invest $40K per year.


Yep, that's true.
by Mel Lindauer
Tue Sep 20, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone check my understanding of EE bonds?
Replies: 10
Views: 1191

Re: Can someone check my understanding of EE bonds?

Here's a Forbes column I wrote about a possible use of EE Bonds as a guaraneed future income stream:

http://www.forbes.com/sites/theboglehea ... 6bcf384a91
by Mel Lindauer
Tue Sep 20, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone check my understanding of EE bonds?
Replies: 10
Views: 1191

Re: Can someone check my understanding of EE bonds?

Can someone just tell me if these statements are true: EE bonds earn .10% interest up until 20 years when it doubles in value. I do not have to redeem the bond until 30 years and I pay federal taxes on the interest but not state The money put in EE bonds cannot be pre-tax (like a trad 401k) Each SS...
by Mel Lindauer
Mon Sep 19, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 203
Views: 18270

Re: The Bogleheads' "100 Things Worth Every Penny" List

My Yoga 900 2-in-1 computer with an Intel I7 processor, 12gig of memory, super high res touch screen, lighted keyboard, all day battery life and a 512gig SSD. Doesn't get any better than that. Starts up in no time flat.
by Mel Lindauer
Mon Sep 19, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: MetShield Annuity
Replies: 6
Views: 579

Re: MetShield Annuity

Here's a link to a Forbes column I did on these awful things back in 2010. Run, don't walk. As was peviously stated, your CPA is recommending this because he/she is going to earn a big fat commission. The CPA obviously does no have your best interest at heart. I'd suggest you consider getting a new ...
by Mel Lindauer
Mon Sep 19, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS calling?
Replies: 7
Views: 808

Re: IRS calling?

Last 2 weeks I got 3 recorded calls purporting to be from IRS telling me to phone them because of pending lawsuit. The phone numbers the recordings told me to call were : 805-722-1462 and 323-434-2156. The calls were obvious fakes. Anybody else get such calls? Anybody here from IRS recognize these ...
by Mel Lindauer
Sun Sep 18, 2016 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Emergency Fund Into iBonds!
Replies: 23
Views: 1713

Re: Transfer Emergency Fund Into iBonds!

One thing to look at is how old you will be in 30 years when the iBonds mature and need to be cashed and taxed. If you are younger then they might mature while you are still working at the peak of your career and in a high tax bracket. They could also mature during your early retirement years when ...
by Mel Lindauer
Sun Sep 18, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Emergency Fund Into iBonds!
Replies: 23
Views: 1713

Re: Transfer Emergency Fund Into iBonds!

I am looking to transfer 75% of my emergency fund into iBonds. The thing about it is I don't want to do all at once since the money will be locked for at least 1 year. So I am looking to do it in increments. I was thinking 12.5% at a time every six months over the course of 3 years and I would do a...
by Mel Lindauer
Sun Sep 18, 2016 6:20 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 63
Views: 8663

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

There have been a number of references to the low $10,000 annual purchase limit, but married couples can double that to $20,000 annually which would guarantee a $40,000 per year stream of income starting in 20 years. Not to belabor the point and perhaps I am past that point but that is not actually...
by Mel Lindauer
Sun Sep 18, 2016 5:20 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 63
Views: 8663

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

There have been a number of references to the low $10,000 annual purchase limit, but married couples can double that to $20,000 annually which would guarantee a $40,000 per year stream of income starting in 20 years. And, if there are any trusts, the family could purchase another $10,000 per year an...
by Mel Lindauer
Sun Sep 18, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 63
Views: 8663

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

Sure you get 3.5% if you hold them 20 years but what if something happened and you had to liquidate prior to 20 years? Wouldn't you just get like 0.1% on bonds bought today. That is a lot of risk if you aren't 100% certain you can hold them 20 years and frankly who would bet that stocks wouldn't ou...
by Mel Lindauer
Sat Sep 17, 2016 11:16 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 63
Views: 8663

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

With unknown inflation heading forward, is a doubling of your money after 20 years still a good deal when buying savings bonds? Get .5-1% real is about as good as you ca get. Referring to bonds and roll your own annuities is a bit of a false analogy given that they don't give you the basis payments...
by Mel Lindauer
Sat Sep 17, 2016 11:00 pm
Forum: Investing - Theory, News & General
Topic: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look
Replies: 63
Views: 8663

Re: "Uncle Sam Pays Almost Twice The Yield On Treasurys--If You Know Where To Look

Bmac wrote:Hmm, seems like Mr. Lindauer may not have been the only Boglehead quoted in the article...


You're correct
by Mel Lindauer
Sat Sep 17, 2016 5:58 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 192
Views: 12455

Re: "Factor investing"

This has been an interesting thread, but all of the theory in the world boils down to whether you have the temperament to follow through on your investment program. Agreed - periods of underperformance in back-tests don't provide the actual emotions you will feel when underperforming (and don't pro...
by Mel Lindauer
Thu Sep 15, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of a non qualified Annuity
Replies: 9
Views: 720

Re: Taxation of a non qualified Annuity

NuiThanks. So the only ways to enjoy some favorable tax benefit are to annuitize or do a 1035 exchange to a variable annuity? Doing a 1035 exchange to a variable annuity isn't going to change your tax consequences once you start making withdrawals. It could, however, lower your costs and thus impro...
by Mel Lindauer
Wed Sep 14, 2016 5:18 pm
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 192
Views: 12455

Re: "Factor investing"

Tilt and you MAY outperform but you also MAY also underperform. Once the underperformance sets in, many investors would likely bail. I get that for those who will bail on the strategy should not do it. How about those who instead of looking at performance vs S&P for example are looking at the h...
by Mel Lindauer
Wed Sep 14, 2016 12:12 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Appearance - You're Invited
Replies: 13
Views: 1792

Jack Bogle Appearance - You're Invited

Hi Bogleheads: I received the following request to get the word out regarding an appearance that Jack will be making in the DC area on Sept. 27th. If you'd like to hear Jack speak and get a chance to meet our friend and mentor, this is a good opportunity. You can order your tickets at at https://www...
by Mel Lindauer
Wed Sep 14, 2016 8:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 1748

Re: Forum tops 3,000,000 post mark

Public Service Announcement reminder - You can support this website. "As an IRS-approved non-profit public charity, we depend entirely on donors like you to enable us to fulfill our mission. Your support of the Bogle Center is vital. Please send your generous tax-deductible donation to: The Jo...
by Mel Lindauer
Tue Sep 13, 2016 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: News About Medicare Supplement Changes
Replies: 19
Views: 1449

Re: News About Medicare Supplement Changes

Mel, I take it you are not yet of Medicare age? I hope my sarcasm filter is broken, because otherwise I'm sure Mel is getting quite the chuckle. Just let's say that when Moses was a little boy, Mel was teaching the virtues of I-Bonds Thanks for the laugh. The Moses part is true. Those early I Bonds...
by Mel Lindauer
Tue Sep 13, 2016 4:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 1748

Re: 50,000+ Posts. Learning and contributing

Hi Everyone: Just found out that our forum passed the 3,000,000 post mark. Here are the current figures: Total posts 3,000,186 • Total topics 190,513 • Total members 53,286 Thanks for all who help make this the best investing forum on the Internet. Best regards, Mel Mel: Both of us posted in the fi...
by Mel Lindauer
Tue Sep 13, 2016 2:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 1748

Re: Forum tops 3,000,000 post mark

Hi Everyone: Just found out that our forum passed the 3,000,000 post mark. Here are the current figures: Total posts 3,000,186 • Total topics 190,513 • Total members 53,286 Well done Mel and other founders! :beer 53,286 Bogleheads is impressive. Question..... Is there any metric kept that somehow c...
by Mel Lindauer
Tue Sep 13, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: News About Medicare Supplement Changes
Replies: 19
Views: 1449

News About Medicare Supplement Changes

Just read this from AARP and thought it was important enough to post since I hadn't seen or heard about this before. While there are government-required changes coming to Medicare Supplement in 2020, these changes will not impact current insured members. People who become newly eligible for Medicare...
by Mel Lindauer
Tue Sep 13, 2016 12:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 1748

Forum tops 3,000,000 post mark

Hi Everyone:

Just found out that our forum passed the 3,000,000 post mark.

Here are the current figures:

Total posts 3,000,186 • Total topics 190,513 • Total members 53,286

Thanks for all who help make this the best investing forum on the Internet.

Best regards,

Mel
by Mel Lindauer
Tue Sep 13, 2016 11:58 am
Forum: Investing - Theory, News & General
Topic: "Factor investing"
Replies: 192
Views: 12455

Re: "Factor investing"

I'm with Jack Bogle, Taylor and others on this one. Own the market and know that you'll never underperform. Tilt and you MAY outperform but you also MAY also underperform, sometimes for long periods as Larry has correctly pointed out. Once the underperformance sets in, many investors would likely ba...
by Mel Lindauer
Sat Sep 10, 2016 3:50 pm
Forum: Investing - Theory, News & General
Topic: The Fidato Group (retirement seminar)
Replies: 23
Views: 1809

Re: The Fidato Group (retirement seminar)

I received a flyer in the mail from the Fidato Group, LLC out of Ohio. They are putting on a retirement planning seminar at a local school for S50 for 6 hours over 2 nights, plus an individual consultation afterwards if desired. They say that they are a fiduciary and that they are not selling or en...
by Mel Lindauer
Thu Sep 08, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2151

Re: Water turned off in building-urgent! [Problem Resolved]

This thread is locked. The OP has reported that the problem has been resolved.
by Mel Lindauer
Wed Sep 07, 2016 11:26 am
Forum: Investing - Theory, News & General
Topic: Anyone using EE Bond Doubling for Retirement Planning?
Replies: 10
Views: 1486

Re: Anyone using EE Bond Doubling for Retirement Planning?

Mel, I want to say, thank you for writing this article. It's one of the articles that led me to ask "What is a Boglehead?" and brought me to this site. I thought the idea was a very good one, but I did not end up using it for several reasons: 1) I didn't find the method early enough. You ...
by Mel Lindauer
Wed Sep 07, 2016 6:04 am
Forum: Investing - Theory, News & General
Topic: Anyone using EE Bond Doubling for Retirement Planning?
Replies: 10
Views: 1486

Re: Anyone using EE Bond Doubling for Retirement Planning?

I started age 40 for each of us, but I have mixed feelings. The double is a good rate of return in this environment and provides a nice income floor; but the income floor in early retirement (say, age 60 until RMDs come due) may make IRA conversion and tax-gain harvesting difficult. For now, I plan...
by Mel Lindauer
Tue Sep 06, 2016 7:45 pm
Forum: Investing - Theory, News & General
Topic: Anyone using EE Bond Doubling for Retirement Planning?
Replies: 10
Views: 1486

Re: Anyone using EE Bond Doubling for Retirement Income?

Uh-oh, this may be good and not so good. The folks over at Treasury might read the paper and lo and behold, they might snatch another good deal away from us.........given where 20 year Strips are. There are no guarantees that this will last for 20 or more years, but in the meantime, folks can get s...
by Mel Lindauer
Tue Sep 06, 2016 6:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone using EE Bond Doubling for Retirement Planning?
Replies: 10
Views: 1486

Anyone using EE Bond Doubling for Retirement Planning?

Hi Everyone: In 2013, I wrote a Forbes column titled "A Simple Way To Build Your Own Annuity". It's based on the automatic doubling of EE Bonds at the 20-year mark. http://www.forbes.com/sites/thebogleheadsview/2013/03/01/build-your-own-annuity/#75aae8974a91 If you or anyone you know start...

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