Search found 12027 matches

by Mel Lindauer
Wed Aug 24, 2016 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Could I use a Donor Advised Fund as an alternative retirement vehicle?
Replies: 46
Views: 2973

Re: Could I use a Donor Advised Fund as an alternative retirement vehicle?

This thread will remain locked. This discussion is promoting schemes that would violate both the letter and the spirit of the DAF laws.
by Mel Lindauer
Mon Aug 22, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead advice in Chinese?
Replies: 7
Views: 545

Re: Boglehead advice in Chinese?

Everything I've learned here has been very much life changing. I was completely clueless! I'm trying to help my parents understand about IRAs, 3 fund portfolios, expense ratios etc, but their native tongue is cantonese chinese. Does anyone know of any maybe youtube videos that have good simplified ...
by Mel Lindauer
Sun Aug 21, 2016 10:40 pm
Forum: Investing - Theory, News & General
Topic: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 116
Views: 16175

Re: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Last year, there was a limit on the number of books that can be signed at one time (2). I assume that's true for this year. Yes, there is a two book limit for Jack Bogle to make sure that everyone gets a chance to get their books signed before Jack has to leave. Once your two books are signed, you ...
by Mel Lindauer
Sun Aug 21, 2016 7:26 pm
Forum: Investing - Theory, News & General
Topic: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 116
Views: 16175

Re: 2016 BOGLEHEADS CONFERENCE ANNOUNCEMENT

As I am finalizing my plans for my first Bogleheads Conference, I was wondering if there will be any opportunities to have books signed by either Mr. Bogle or the 3 Boglehead authors. I don't want to pack my "library" if not. Any info would be appreciated. Thanks! Yes, there is a book sig...
by Mel Lindauer
Sun Aug 21, 2016 3:09 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 86
Views: 9947

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

OK, you can't say that you haven't been warned. I'm going to be collecting the questions and closing down this thread soon, so if you have a question for Jack Bogle, post it here. Once I collect the questions, I'm going to lock the thread and won't be taking any more questions.
by Mel Lindauer
Sun Aug 14, 2016 4:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Jacksonville Local Chapter Formed
Replies: 23
Views: 4854

Re: Jacksonville Local Chapter?

Hi JAX Bogleheads: It's official. WolfgangPauli (Kevin) has stepped up and agreed to be the Jacksonville Local Chapter coordinator. The email that he'll use for this purpose is JAXbogleheads@gmail.com. He and other interested Jacksonville-area Bogleheads can use that new email address and this threa...
by Mel Lindauer
Sat Aug 13, 2016 4:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: UAE Bogleheads Meetup (Dubai & Abu Dhabi) 13/08/16
Replies: 5
Views: 532

Re: UAE Bogleheads Meetup (Dubai & Abu Dhabi) 13/08/16

Impressive! Great looking group. Keep us informed of future events.

Best regards to all of the Dubai & Abu Dhabi Bogleheads.
by Mel Lindauer
Sat Aug 13, 2016 2:17 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 86
Views: 9947

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

Time's running out. Since our Conference is next month, I'll be collecting the questions for Jack soon, so if you have a question you'd like me to ask Jack on your behalf, you need to act soon. Once I collect the questions, I'll lock this thread and won't take any more.

Fire away!
by Mel Lindauer
Wed Aug 10, 2016 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy Funds
Replies: 32
Views: 3533

Re: Vanguard Life Strategy Funds

If you want a constant asset allocation, the Life Strategy funds fit the bill. And if you want an asset allocation that gets more conservative as you age, then the Target Retirement series of funds would be the choice. Both series of funds provide an investor with a low-cost, nicely-diversified port...
by Mel Lindauer
Wed Aug 10, 2016 11:55 am
Forum: Investing - Theory, News & General
Topic: Equal weight index funds
Replies: 75
Views: 5532

Re: Equal weight index funds

This thread is locked for Moderater review as having run its course. Find additional info in the wiki link provided by LadyGeek.
by Mel Lindauer
Tue Aug 09, 2016 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities vs the market
Replies: 18
Views: 1640

Re: Purchasing an annuity?

stvbis: Boglehead Mel Lindauer is an expert on annuities. He has written a 6-series article for Forbes. You will find links here: http://www.forbes.com/2010/08/10/truth-about-equity-indexed-annuities-personal-finance-bogleheads-view-lindauer.html In my opinion, with few exceptions, you should only ...
by Mel Lindauer
Mon Aug 08, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: "What Vanguard's Hire of a Wall Streeter Reveals.."
Replies: 8
Views: 2253

Re: "What Vanguard's Hire of a Wall Streeter Reveals.."

Looks like the magazine needs a better fact checker since they can't seem to tell billions from trillions. From the article: Anne Robinson is the new chief counsel reporting to the CEO, but her Citi and AmEx branding expertise and her outsider status hint at the $3.4-billion asset manager's nod to r...
by Mel Lindauer
Mon Aug 08, 2016 6:39 pm
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 91
Views: 16912

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

For anyone interested in Mid Cap stocks (I'm looking at you, Mel :wink:) I've updated the site to add Mid Cap Value and Mid Cap Growth to all of the calculators. IMHO mid caps deserve a lot more attention than they tend to receive, and hopefully the new data will open up new avenues of discussion. ...
by Mel Lindauer
Tue Aug 02, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Timeshares, again
Replies: 57
Views: 4564

Re: Timeshares, again

prudent wrote:Thread locked for moderator review.


This thread has run its course and will remain locked.
by Mel Lindauer
Sun Jul 31, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Question...Short Term Bonds or I Bonds
Replies: 15
Views: 1922

Re: Fixed Income Question...Short Term Bonds or I Bonds

... Thanks Phineas... kind of what I thought but requires a change of thinking on my part. Originally, I Bonds were purchased as an alternative to TIPS and have been considered a part of our long term portfolio. ... Nothing prevents you from using the sales proceeds of the short-term bond fund to b...
by Mel Lindauer
Sat Jul 30, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Question...Short Term Bonds or I Bonds
Replies: 15
Views: 1922

Re: Fixed Income Question...Short Term Bonds or I Bonds

Going back to the first part of OP's question, and without commenting on the superiority of one short-term debt instrument over another, it doesn't make sense to me to keep two forms of the cushion you're after when you've been happy with one. Since you already own the I Bonds, it makes sense to lo...
by Mel Lindauer
Mon Jul 25, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 86
Views: 9947

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

Bump for visibility and more questions.
by Mel Lindauer
Sun Jul 24, 2016 1:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Jacksonville Local Chapter Formed
Replies: 23
Views: 4854

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: 61
Views: 8872

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: 61
Views: 8872

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: 61
Views: 8872

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: 173

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: 708

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: 1193

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: 2954

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: 2954

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: 5090

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: 86
Views: 9947

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: 780

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: 178

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: 405

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: 2940

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: 4514

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: 2940

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: 2954

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: 2954

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: 588

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: 1975

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: 962

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: 5175

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: 1128

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: 611

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: 11668

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: 10650

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: 570

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: 843

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: 843

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: 599

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: 750

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: 5555

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...

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