Search found 12217 matches

by Mel Lindauer
Wed Jan 18, 2017 6:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chicago meeting [- March 27 in Lincoln Park]
Replies: 32
Views: 4095

Re: Chicago meeting [- March 27 in Lincoln Park]

OK, Chicago Bogleheads, I have some good news. elihu303 has stepped up and agreed to become the new Local Chapter Coordinator. He's established a new email address for the group - bogleheadschicago@gmail.com I'm having his contact info added to the Local Chapters Map. Good luck to the Chicago Bogleh...
by Mel Lindauer
Tue Jan 17, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bought I-Bonds already this year, any way to undo?
Replies: 3
Views: 609

Re: Bought I-Bonds already this year, any way to undo?

I'm guessing there is no way to undo this... I recently started using I-Bonds. I purchased them last year, and then again at the start of this year when I was doing my IRA contribution. I then realized (well, saw a thread that brought into mind) that the rates offered as of May or whenever they ann...
by Mel Lindauer
Mon Jan 16, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Conference 2017?
Replies: 7
Views: 1643

Re: Boglehead Conference 2017?

UPDATE: My 2017 Bogleheads Conference announcement is now scheduled to be posted here on the forum on April 5th.
by Mel Lindauer
Sun Jan 15, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5029

Re: Flafship Reps

Prokofiev wrote:I wont miss my Flagship rep. But I will miss the free TurboTax I have received for the past 10(?) years. The only real perk of Flagship.


Based on the comments on this thread, you're not alone in missing the free TurboTax. Add my name to that list, too.
by Mel Lindauer
Fri Jan 13, 2017 4:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13189

Re: Sad News About a Respected Forum Member

I have no doubt that these nice messages from friends and fans of Old Meph are giving him great comfort.

It's what you leave behind that really matters. Lee has left so much good advice here on the forum and it will long endure.

Best regards, dear Lee.

Mel
by Mel Lindauer
Fri Jan 13, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: 5 Financial Predictions for 2017
Replies: 2
Views: 688

5 Financial Predictions for 2017

Boglehead author and AARP and WSJ columnist, Allan Roth, has penned an AARP column titled "5 Financial Predictions for 2017". Even though done somewhat tongue-in-cheek, sadly, they're likely to come true. http://www.aarp.org/money/investing/info-2016/financial-predictions-for-2017-ar.html?...
by Mel Lindauer
Mon Jan 09, 2017 3:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13189

Sad News About a Respected Forum Member

Bogleheads: Taylor and I received this Private Message (PM) from Lee Marshall (user name Mephistophles): " Have leukemia and just a short time to live. When gone please let forum know and explain why I have not been answering recent private messages. Learned a great deal from you guys in the gr...
by Mel Lindauer
Mon Jan 09, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Quote from The Bogleheads' Guide to Investing on Small Caps
Replies: 11
Views: 1633

Re: Quote from The Bogleheads' Guide to Investing on Small Caps

The fact that you are asking the question this way indicates you still need to understand the small value premium. I would suggest you take at least a few months to read about this before you decide whether factor investing with a small value tilt is for you or not. I would suggest reading Larry Sw...
by Mel Lindauer
Sun Jan 08, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 94
Views: 6251

Re: Physician went out of network. Now I have a bill to pay. What to do

LadyGeek wrote:This thread has run its course and is locked (derailed into a general rant).

(This thread is now in the Personal Finance (Not Investing) forum (insurance).)


After review, this thread will remain locked.
by Mel Lindauer
Sun Jan 08, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: WSJ - It's time for Fees to go even lower - Jason Zweig
Replies: 7
Views: 1543

Re: WSJ - It's time for Fees to go even lower - Jason Zweig

If you're not a subscriber, just google the full title (It's time for investor fees to go even lower) so that you can read the article. Can't do it. WSJ seems to be locked up tight. Worked for me without a problem. That's the way I always read the articles of interest since I'm not a subscriber.
by Mel Lindauer
Sun Jan 08, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: WSJ - It's time for Fees to go even lower - Jason Zweig
Replies: 7
Views: 1543

Re: WSJ - It's time for Fees to go even lower - Jason Zweig

Great article in weekend WSJ by Jason Zweig. http://www.wsj.com/articles/its-time-for-investor-fees-to-go-even-lower-1483739505 Fulcrum Fee........now isn't that a novel idea. Been tried before....... If you're not a subscriber, just google the full title (It's time for investor fees to go even low...
by Mel Lindauer
Sat Jan 07, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: should i surrender my fixed indexed annuity
Replies: 13
Views: 953

Re: should i surrender my fixed indexed annuity

The insurance company surrender penalty would be an issue for me though. Call up the insurance company and find out when it drops to zero. When it drops to zero I'd think about getting out. It's probably not waiting for six years. You have already lost the whole fee; if you wait six years for the s...
by Mel Lindauer
Tue Jan 03, 2017 10:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any BogleHeads in New Zealand
Replies: 5
Views: 857

Re: Any BogleHeads in New Zealand

Hi blame, I have just joined the forum and was wondering if there was a Kiwi contingent :D If we get enough interest in forming a New Zealand Bogleheads Local Chapter and one of you agrees to be the Chapter Coordinator, we'll set you up and add your group to the Local Chapters Map so others can fin...
by Mel Lindauer
Tue Jan 03, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 28
Views: 3307

Re: I-bonds

Consistent with the decline in saving s bond purchases, the per centage of U.S. households holding savings bonds and the amount of savings bonds these households hold also have declined. On the basis of data from the Federal Reserve Board’s SCF, we found that around 17 percent of households held sa...
by Mel Lindauer
Mon Jan 02, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 28
Views: 3307

Re: I-bonds

I think it's worth noting that "qualified educational expenses" for I-bond purposes are very limited (tuition and fees) versus 529 qualified educational expenses, which include tuition, room and board, and more. Here's another rarely-mentioned thing to keep in mind. If you buy I Bonds, pl...
by Mel Lindauer
Mon Jan 02, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 28
Views: 3307

Re: I-bonds

The tax-free refers to interest earnings only, you are free to spend your principal any place you like. Sorry, that's incorrect. You must use BOTH interest AND principal to pay for the qualifying education expenses in order for the bonds to qualify for the tax-free educational benefit. From Treasur...
by Mel Lindauer
Mon Jan 02, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 28
Views: 3307

Re: I-bonds

Beside the early withdrawal penalty and no federal taxes if used for higher education, are there any other gimmicks with I-bonds to be aware of? Not a "gimmick" but another feature that you should be aware of is that I Bonds can be used, tax-free, for qualifying educational expenses for y...
by Mel Lindauer
Sun Jan 01, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 670
Views: 16333

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

1835.35. Hope I'm way off on the downside.
by Mel Lindauer
Sat Dec 31, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Surprisingly good whole life policy?
Replies: 35
Views: 2928

Re: Surprisingly good whole life policy?

Something seems odd here. Normally, the cumulative IRR on the cash value goes up as the policy ages, not down. In other words, the IRR after 5 years should be less than the IRR after 10 years. I am using the numbers directly from the benefit illustration, so unless my calculations are wrong, they s...
by Mel Lindauer
Sat Dec 31, 2016 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Surprisingly good whole life policy?
Replies: 35
Views: 2928

Re: Surprisingly good whole life policy?

Caduceus, should there be 5 payments of $615 for the 5 year scenario? The terminal value should be the "guaranteed" value -otherwise it seems to me as though you're just guessing at returns to paint the picture you want. I agree. It appears that he's only used four payments rather than fi...
by Mel Lindauer
Thu Dec 29, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 30
Views: 4382

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

FWIW, the Queen of the Bogleheads and one of my co-authors, Laura Dogu, is now the US Ambassador to Nicaragua. You might contact her, asking about her thoughts and experiences (pros and cons) of living in that country. In addition to Laura, several Bogleheads from Nicaragua attended our latest Bogle...
by Mel Lindauer
Mon Dec 26, 2016 2:21 pm
Forum: Investing - Theory, News & General
Topic: Good time to buy inflation-adjusted SPIA?
Replies: 47
Views: 3387

Re: Good time to buy inflation-adjusted SPIA?

While TIPS have been mentioned as a possible alternative, no one has mentioned the lowly I Bonds which actually offer better protection since they not only keep up with inflation but, unlike TIPS, can never lose value. In addition to inflation protection, they also offer DEflation protection, and th...
by Mel Lindauer
Sun Dec 25, 2016 11:15 pm
Forum: Personal Consumer Issues
Topic: Is it possible to get a used book exchange going here?
Replies: 9
Views: 948

Re: Is it possible to get a used book exchange going here?

What's to stop another member from selling your book? Nothing. No, it's not going to happen. This forum will not be the go-between for possible fraud (failure to deliver the promised books), the loss of books in shipment, etc. Mel, is it ok for local Boglehead meetings to allow members to bring boo...
by Mel Lindauer
Sun Dec 25, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: EE bonds -> 529 to avoid taxes?
Replies: 5
Views: 698

Re: EE bonds -> 529 to avoid taxes?

Hi folks- my husband's parents apparently started buying series EE bonds for him when he was born - they just gave us the first set that reaches their 30 year maturity over the next 12 months, and there are apparently more coming over the next 10 years. This year's look like they total about 3k and...
by Mel Lindauer
Sun Dec 25, 2016 9:28 pm
Forum: Personal Consumer Issues
Topic: Is it possible to get a used book exchange going here?
Replies: 9
Views: 948

Re: Is it possible to get a used book exchange going here?

Interesting idea. Poster A likes something on Poster B's list, Poster B likes something on Poster A's list, they agree to swap and each pays shipping costs (media mail is near dirt cheap). Mods will have to chime in on whether this is a legit concept given the site's non-profit status requiring it ...
by Mel Lindauer
Sun Dec 25, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Are my parents in good hands with this adviser?
Replies: 88
Views: 6644

Re: Are my parents in good hands with this adviser?

Based on the advisor's email, my BS meter is off the charts. If they were my parents, here's what I'd do. Either go with Vanguard's low-cost Advisory Service and/or choose the appropriate low-cost LifeStrategy or Target Retirement fund and be done with it. (Did I mention low cost? That's the only pa...
by Mel Lindauer
Sat Dec 24, 2016 7:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 7005

Re: My Christmas Gift to You.

Hi Taylor:

This Marine salutes his paratrooper friend, co-author and ally on the anniversary of your brave defense of our freedom. You da man!
by Mel Lindauer
Sat Dec 24, 2016 1:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Holidays 2016 and Thank you!
Replies: 20
Views: 944

Re: Happy Holidays 2016 and Thank you!

And Happy Hanukkah to our Jewish Bogleheads.
by Mel Lindauer
Fri Dec 23, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: Financial Predictions for 2017
Replies: 6
Views: 1557

Financial Predictions for 2017

Boglehead author and columnist Allan Roth shares his crystal ball predictions for 2017.

http://www.aarp.org/money/investing/inf ... 17-ar.html
by Mel Lindauer
Mon Dec 19, 2016 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Conference 2017?
Replies: 7
Views: 1643

Re: Boglehead Conference 2017?

We also have not attended & would like to go. Unfortunately by the time we find out about it, it was all booked. We'd like to know as soon as announced so that we have the opportunity to go in 2017. Thanks for your help. I usually make the announcement here on the forum in late Feb. or the begi...
by Mel Lindauer
Mon Dec 19, 2016 4:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Interested in starting a] San Antonio Chapter?
Replies: 9
Views: 559

Re: [Interested in starting a] San Antonio Chapter?

I see info on an Austin/Central TX Chapter, but anyone know of a San Antonio Chapter? If we get four more folks from the San Antonio area who are interested in getting a Local Bogleheads Chapter started and one of you agrees to be the Local Chapter Coordinator, I'll make it official and add your gr...
by Mel Lindauer
Sun Dec 18, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7246

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

This thread has run its course and is locked.
by Mel Lindauer
Sat Dec 17, 2016 6:14 pm
Forum: Personal Consumer Issues
Topic: VoIP 'Oma' vs 'Vonage' phone
Replies: 28
Views: 1877

Re: VoIP 'Oma' vs 'Vonage' phone

You might also want to consider MagicJack. I've had it for years and am very pleased with it. Call quality is good and you get free calls to Mexico, Canada and Puerto Rico. They currently have a holiday special on the hardware, too. http://www.magicjack.com/index.html?&utm_source=google&utm_...
by Mel Lindauer
Sat Dec 17, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bond Questions
Replies: 16
Views: 1964

Re: I-Bond Questions

what is the advantage to buying them in a child's name? Does it let you go over the 10k limit? Yes, but be aware that Savings Bonds in a child's name don't qualify for the tax-free educational benefit. To qualify, bonds must be in one or both parents' names. However, it's OK if the child is listed ...
by Mel Lindauer
Sat Dec 17, 2016 12:53 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on accelerating charitable contributions
Replies: 4
Views: 820

Re: Reporter doing story on accelerating charitable contributions

There's still time to respond if you fit the profile and are willing to be interviewed for the story.
by Mel Lindauer
Sat Dec 17, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bond Questions
Replies: 16
Views: 1964

Re: I-Bond Questions

I have $20,000 of I-Bonds purchased in February 2012 at a rate of 0.16%, now worth $21,246. Does it make sense to sell them (even if I lose 3 months interest) and repurchase at the higher 2.76% fixed rate, or am I better off simply adding more bonds to my portfolio? The rate that your Feb 2012 ibon...
by Mel Lindauer
Fri Dec 16, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on accelerating charitable contributions
Replies: 4
Views: 820

Re: Reporter doing story on accelerating charitable contributions

Laura has a deadline -- the end of Monday, Dec. 19, so you need to respond promptly if you want to be interviewed.

See you in the Journal.
by Mel Lindauer
Thu Dec 15, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on accelerating charitable contributions
Replies: 4
Views: 820

Reporter doing story on accelerating charitable contributions

Hi Everyone: Laura Saunders of the Wall St. Journal would like to hear from people willing to be quoted by name who are accelerating charitable contributions to a donor-advised fund this year because the deduction might drop under President Trump. If you fit that profile, email: Laura.saunders@wsj.c...
by Mel Lindauer
Mon Dec 12, 2016 11:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads [Daytona Beach Area] chapter?
Replies: 1
Views: 207

Re: Bogleheads chapter

Is there a Bogleheads chapter in the Daytona Beach area? Not yet, but if there are four more Bogleheads who want to get a Daytona Beach-area Local Chapter started and one of you agrees to be the Local Chapter Coordinator, then I'll make your group official and you can use this sub-forum to communic...
by Mel Lindauer
Mon Dec 12, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard 2017 Market Outlook
Replies: 1
Views: 649

Vanguard 2017 Market Outlook

2017 economic and market outlook: Stabilization, not stagnation

https://personal.vanguard.com/pdf/ISGVEMO.pdf
by Mel Lindauer
Wed Dec 07, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: US tax brackets throughout history
Replies: 7
Views: 1633

Re: US tax brackets throughout history

This thread will remain locked. Not investment related (off topic).
by Mel Lindauer
Sun Dec 04, 2016 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Given EE bonds - what to do?
Replies: 12
Views: 1286

Re: Given EE bonds - what to do?

A couple of points you may not have been aware of:
1. They're tax-deferred.
2. They're free from state and local taxation.
3. They can be used, tax-free, for your or your children's qualifying educational expenses if they're titled correctly and you meet the then-current income limits.
by Mel Lindauer
Fri Dec 02, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: European Riverboat Tours
Replies: 22
Views: 2731

Re: European Riverboat Tours

We did two different French river cruises on Vantage and loved the experiences. Smaller crowds (around 134) made for a less-crowded feeling. Would definitely recommend them.
by Mel Lindauer
Fri Dec 02, 2016 12:38 pm
Forum: Investing - Theory, News & General
Topic: Rock Star Investors?
Replies: 4
Views: 620

Re: Rock Star Investors?

This thread is locked (not personal and non-actionable).
by Mel Lindauer
Wed Nov 30, 2016 9:45 pm
Forum: Personal Consumer Issues
Topic: Upgrade Lenovo SSD or buy after-market?
Replies: 11
Views: 984

Re: Upgrade Lenovo SSD or buy after-market?

FWIW, I chose the Lenovo 512 SSD option on my factory Yoga 900. Didn't feel it was worth it to go any other way.
by Mel Lindauer
Wed Nov 30, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Miami- be very careful buying RE here
Replies: 25
Views: 2980

Re: Miami- be very careful buying RE here

This thread is locked. It's run its course. I've had to remove a half dozen posts questioning forum moderation and discussion global warning which is not allowed. If you feel you can't abide by the forum policy, you're free to post elsewhere. However, if you want to post here, you must abide by the...
by Mel Lindauer
Mon Nov 28, 2016 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Should I consider EE Savings Bond (double in value in 20Y)?
Replies: 9
Views: 1446

Re: Should I consider EE Savings Bond (double in value in 20Y)?

Here's a Forbes column I did on building your own annuity using laddered EE Bonds. It may well apply to your situation since you say you plan to retire at 55.

http://www.forbes.com/sites/theboglehea ... 4d444a91''
by Mel Lindauer
Fri Nov 25, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Index Annuity Help
Replies: 4
Views: 541

Re: Fixed Index Annuity Help

I'm always saddened when I hear stories like this where an annuity sales person took advantage of an unsuspecting investor to line their own pockets with a hefty commission. What's done is done. Now we have to move forward. Once you find out what your surrender fee will be, then you'd want to look a...
by Mel Lindauer
Fri Nov 25, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: "Bonds And The Good News About Rising Rates"
Replies: 15
Views: 2399

Re: "Bonds And The Good News About Rising Rates"

Bogleheads: Josh Barrickman is the senior portfolio manager and head of bond indexing in the Vanguard Fixed Income Group. He is manager of Total Bond Market Index Fund -- now the largest bond fund in the world. Mr. Barrickman, whom I've met, has written a short, but important article, with this con...
by Mel Lindauer
Fri Nov 25, 2016 1:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: How do I write John Bogle a letter?
Replies: 12
Views: 2470

Re: How do I write John Bogle a letter?

Not sure if this is the correct avenue, but this is where he works, so I'd say there is a good chance a letter would get to him. https://personal.vanguard.com/bogle_site/bogle_home.html :thumbsup :thumbsup Bogle Financial Markets Research Center, V22 c/o The Vanguard Group P.O. Box 2600 Valley Forg...

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