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by Mel Lindauer
Sat May 28, 2016 4:56 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 67
Views: 7048

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

There's still plenty of time to post your questions for Jack Bogle right here.
by Mel Lindauer
Sat May 28, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 37
Views: 3596

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

Is it too late to post a question? I didn't see a date for the conference. If it isn't too late, I would like to ask how and whether the power of Vanguard index funds are being used to promote trends toward more socially responsible investing by rewarding ethical corporate behaviors. The Conference...
by Mel Lindauer
Sat May 28, 2016 12:43 am
Forum: Investing - Theory, News & General
Topic: New Book: Living off Your Money (Michael McClung)
Replies: 46
Views: 5448

Re: New Book: Living off Your Money (Michael McClung)

pkcrafter wrote:The author of the book, Michael McClung, posted earlier in this thread, but that post is now gone. What happened?

LadyGeek?

Paul


I'm responding via PM, Paul.
by Mel Lindauer
Fri May 27, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: "Indexed Annuities: The Big Lie" by Don McDonald
Replies: 21
Views: 1731

Re: "Indexed Annuities: The Big Lie" by Don McDonald

Here's a Forbes column I did about these things titled "The Truth About Equity-Indexed Annuities". Didn't make any friends in the insurance industry with that column.

http://www.forbes.com/2010/08/10/truth- ... dauer.html
by Mel Lindauer
Fri May 27, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 309

Re: Pride in no inheritance to kids?

This thread is locked for Moderator review
by Mel Lindauer
Wed May 25, 2016 8:20 am
Forum: Investing - Theory, News & General
Topic: irreverent??? [Bogleheads' Guide to Investing]
Replies: 19
Views: 2315

Re: irreverent???

Ha! I wonder what Taylor thinks about that description. goingup: I never liked having our book described "Irreverent." Nevertheless, I'm proud we enjoy a 5-Star rating at Amazon . Best wishes. Taylor I've always thought of it as meaning "Irreverent to the Wall Street crowd", and...
by Mel Lindauer
Tue May 24, 2016 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of a non qualified Annuity
Replies: 4
Views: 300

Re: Taxation of a non qualified Annuity

Withdrawals from a deferred annuity (not annuitized) always come from gain first, then tax basis. Gain withdrawals are taxed as ordinary income, basis withdrawals are tax-free. .................................................. If the annuity is old (before some date in 1982 in link), withdrawals a...
by Mel Lindauer
Tue May 24, 2016 3:26 pm
Forum: Investing - Theory, News & General
Topic: irreverent??? [Bogleheads' Guide to Investing]
Replies: 19
Views: 2315

Re: irreverent???

That copy was written by our publisher, and we're fine with it. When the entire blurb is read, most folks (including us) feel that it's really meant as a positive, as others have pointed out. I'm sure many on Wall Street and in the financial advising business would feel that it was terribly irrever...
by Mel Lindauer
Tue May 24, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of a non qualified Annuity
Replies: 4
Views: 300

Re: Taxation of a non qualified Annuity

Withdrawals from a deferred annuity (not annuitized) always come from gain first, then tax basis. Gain withdrawals are taxed as ordinary income, basis withdrawals are tax-free. For example, you buy an annuity for $10k, it grows to $13k, then you take a $5k withdrawal. The $3k of gain is withdrawn f...
by Mel Lindauer
Mon May 23, 2016 7:35 pm
Forum: Investing - Theory, News & General
Topic: irreverent??? [Bogleheads' Guide to Investing]
Replies: 19
Views: 2315

Re: irreverent???

.... My take would be the book is not deferential to financial advisors and the traditional advisory model of investing. Irreverent = DIY Investing? That would be my take, as well. And my take, also. It's not the right word, but I know what the author means. The same word is used in the last paragr...
by Mel Lindauer
Sun May 22, 2016 7:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Webcasts
Replies: 3
Views: 707

Re: Vanguard Webcasts

I am very disappointed that Vanguard does not make available their various webcasts on their site any sooner than they do. Many of us are not available at the time to participate or maybe for some reason we cannot gain access to them for some particular reason. Truly annoyed. :annoyed Hi Tom: The r...
by Mel Lindauer
Sun May 22, 2016 11:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Singapore Local Chapter Established
Replies: 16
Views: 2890

Re: Singapore Local Chapter Established

Hi ladies and gentlemen, sorry for the delay in organization this. I'll just put things into action. I would just like to have a feel on the number of responds which i will be having for our Local chapter Boglehead meeting over dinner. But i think at most i can accommodate 20 people so first come f...
by Mel Lindauer
Sun May 22, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Flying airplanes -lessons
Replies: 38
Views: 2415

Re: Flying airplanes -lessons

Something that hasn't been mentioned is using the GI Bill to get all your advanced ratings. While I had to pay for my private, the GI Bill paid 90% of my commercial, instrument, multi-engine, flight instructor airplanes, flight instructor instruments, seaplane rating and flight instructor multi-engi...
by Mel Lindauer
Wed May 18, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7698

Re: Is it common for a step mother to inherit everything?

This thread is locked for Moderator review.
by Mel Lindauer
Tue May 17, 2016 7:26 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9702

Re: I Bond rates for May 1 announced

Mel Lindauer said: Many folks also worry about how their heirs will be able to deal with TD. Why is that people worry about how heirs will be able to deal with TD? What's the issue? Many investors have spouses and offspring who are not into investing; consequently, they would not be familiar with t...
by Mel Lindauer
Tue May 17, 2016 7:09 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 6042

Re: Arrgghhh !!! Windows 10 installed overnight

Got me today. I walked away from my computer for about an hour and MS had taken control. Cursed MS and cursed myself for not doing a recent back-up. Well so far no problems. At least I won't have to deal with the annoying pop-ups asking me to upgrade. Just think how life will be when the "Inte...
by Mel Lindauer
Mon May 16, 2016 12:31 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9702

Re: I Bond rates for May 1 announced

Mel Lindauer said: Many folks also worry about how their heirs will be able to deal with TD. Why is that people worry about how heirs will be able to deal with TD? What's the issue? Many investors have spouses and offspring who are not into investing; consequently, they would not be familiar with t...
by Mel Lindauer
Mon May 16, 2016 10:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 203
Views: 30452

Re: Master Thread for Boston's Chapter (MA)

I doubt I'll be able to make it (live in Boston w/o a car, and didn't realize it was happening until now), but hope you all have a great time! :beer I want to put my email in as suggested by "The Wizard" if possible, so that I can get a summary of the meeting (if someone is nice enough to...
by Mel Lindauer
Mon May 16, 2016 1:10 am
Forum: Personal Consumer Issues
Topic: I'd like to create a wiki for interesting items from the Bogleheads
Replies: 10
Views: 828

Re: I'd like to createa wiki for interesting items from the Bogleheads

I have access to a a wiki farm that has allowed me to create 3 wikis. I would like to create several additional wikis. One ow which would be for items that are shut down by the moderators here. Do you have any suggestions for the name? Thanks You need to keep in mind that the name "Bogleheads&...
by Mel Lindauer
Sun May 15, 2016 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Quick SPIA question
Replies: 9
Views: 1062

Re: Quick SPIA question

When shopping for a SPIA should you limit the annuity to the maximum covered by that state's guaranty fund - are some companies too big to fail? For example.... TN's guaranty fund covers $250,000 max. If I were shopping for a $1,000,000 SPIA would I want four $250,000 annuities issued by four diffe...
by Mel Lindauer
Sun May 15, 2016 5:59 pm
Forum: Forum Issues and Administration
Topic: What about a Sub-Forum on Food, Drink & Kitchen Management?
Replies: 3
Views: 326

Re: Stick to financial subjects

Taylor Larimore wrote:Blueblock:

My personal feeling is that we should stick to financial subjects and not try to be all things to all people.

Best wishes.
Taylor


Agree. And the IRS doesn't like the consumer section, either.
by Mel Lindauer
Sat May 14, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: What was your hardest retirement transition?
Replies: 61
Views: 8864

Re: What was your hardest retirement transition?

Sounds interesting. Unfortunately, Forbes is unreadable on my iPad due to the over abundance of ads. :beer As does making these gems 3- and 4-pages long, with 3 second Quote Of The Day delays on each page. After I disarmed the add blocker. Signal to noise ends up too high. Maddening! Sorry, folks, ...
by Mel Lindauer
Fri May 13, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: What was your hardest retirement transition?
Replies: 61
Views: 8864

Re: What was your hardest retirement transition?

Here are links to a three-column series I did for Forbes on this very topic. http://www.forbes.com/sites/thebogleheadsview/2011/02/04/switching-gears-at-retirement-going-from-savings-to-spending-mode/#2c32f37141e4 http://www.forbes.com/sites/thebogleheadsview/2011/02/28/switching-gears-at-retirement...
by Mel Lindauer
Fri May 13, 2016 6:38 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2016 annual report
Replies: 21
Views: 1855

Re: Bogleheads® Wiki 2016 annual report

Kudos to you and LadyGeek, Barry, and to all the wiki editors for continuing to make the wiki such a great resource for investors. Keep up the good work!
by Mel Lindauer
Sun May 08, 2016 6:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Mother's Day to all the Bogleheads Moms
Replies: 1
Views: 647

Happy Mother's Day to all the Bogleheads Moms

Didn't see any other threads on this, so I'd like to wish all of the Bogleheads Moms a very Happy Mother's Day. Teaching your children by example is a great way to help get them started on their path to financial independence. Special shout-out to team members Gail Cox, Patti Rager, Kathy Turner, Ka...
by Mel Lindauer
Sun May 08, 2016 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: EE bonds vs iBonds
Replies: 31
Views: 3588

Re: EE bonds vs iBonds

One can't hold EE bonds or Ibonds in an IRA though, can they? There's no legal reason why they can't be held in an IRA, but there is a practical reason. You need a custodian for your IRA, and as of now, there is no custodian who will hold Savings Bonds for your IRA account (there's just no financia...
by Mel Lindauer
Sat May 07, 2016 11:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 3189

Re: Happy Birthday Mr. Bogle! May 8, 2016

In addition to being Mother's Day, May 8 is also the birthday of our friend, mentor and namesake, Jack Bogle. Words can't describe my gratitude for all that Jack has meant to me personally through his friendship and his unselfishness in the founding and structuring of Vanguard. So, I wish you a very...
by Mel Lindauer
Sat May 07, 2016 9:23 pm
Forum: Investing - Theory, News & General
Topic: Indexed annuities
Replies: 32
Views: 2130

Re: Indexed annuities

itstoomuch wrote:Let the Retiree make his own qualified decision.


The way to make an informed decision is to hear and consider all points of view.
by Mel Lindauer
Sat May 07, 2016 9:05 pm
Forum: Investing - Theory, News & General
Topic: Indexed annuities
Replies: 32
Views: 2130

Re: Indexed annuities

5% Income Growth, compounded for 15 years. It has 6.5% lifetime withdrawal income after 5 years holding and age 70. Add another 50 basis pts, for each 5 year holding after age 70. For those not familiar with annuities, the above quote describes features of the optional Guaranteed Lifetime Withdrawa...
by Mel Lindauer
Sat May 07, 2016 6:27 pm
Forum: Investing - Theory, News & General
Topic: Indexed annuities
Replies: 32
Views: 2130

Re: Indexed annuities

"An investor can buy an income stream by purchasing an SPIA when they retire. They don't have to pay insurance fees for decades in order to insure a lifetime income stream." Oxymoron statement. "Investor" should never buy any type of annuity since an annuity is an Insurance prod...
by Mel Lindauer
Sat May 07, 2016 5:31 pm
Forum: Investing - Theory, News & General
Topic: Indexed annuities
Replies: 32
Views: 2130

Re: Indexed annuities

It has 6.5% lifetime withdrawal income after 5 years holding and age 70. Add another 50 basis pts, for each 5 year holding after age 70. Another misdirection made by the insurance folks. Many folks think this means you're getting 6.5% ON YOUR MONEY, but in reality, this is nothing more than a retur...
by Mel Lindauer
Sat May 07, 2016 5:18 pm
Forum: Investing - Theory, News & General
Topic: Indexed annuities
Replies: 32
Views: 2130

Re: Indexed annuities

It has 6.5% lifetime withdrawal income after 5 years holding and age 70. Add another 50 basis pts, for each 5 year holding after age 70. Another misdirection made by the insurance folks. Many folks think this means you're getting 6.5% ON YOUR MONEY, but in reality, this is nothing more than a retur...
by Mel Lindauer
Fri May 06, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: Indexed annuities
Replies: 32
Views: 2130

Re: Indexed annuities

Here's a Forbes column I did some time ago on these ugly things. Hope it helps you and others avoid these extremely complicated products sold to unsophisticated (usually older) scared investors by "sharks" using misleading and often unscrupulous tactics. http://www.forbes.com/2010/08/10/tr...
by Mel Lindauer
Fri May 06, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15829

Re: Where is Rick Ferri?

Rick's fine. He actually has a life and family outside of the forum. Sometimes we all need to take some time off to catch up and pay attention to other more important things.
by Mel Lindauer
Thu May 05, 2016 12:48 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9702

Re: I Bond rates for May 1 announced

Back in 2011, I wrote a Forbes column that speculated that Treasury may be trying to kill off the Savings Bond Program. Here's a link to that column titled "T reasury Killing Off U.S. Savings Bonds? " http://www.forbes.com/sites/thebogleheadsview/2011/08/05/treasury-killing-off-us-savings...
by Mel Lindauer
Thu May 05, 2016 12:42 am
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9702

Re: I Bond rates for May 1 announced

Mel, Thanks for the link to your article. I enjoyed reading it, and I think it would be interesting to update it. I want to investigate two things: How popular is the Treasury Direct site now? Are sales of savings bonds declining? To answer your first question, I get lots of negative feedback and h...
by Mel Lindauer
Wed May 04, 2016 3:43 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9702

Re: I Bond rates for May 1 announced

Why is the Treasury keeping the fixed rate so low? It seems if they want people to save money in these bonds, they would make the return more attractive. Who wants to buy I bonds at these rates? Doesn't the treasury want to sell these? I will keep track of savings bonds sales this year and see if t...
by Mel Lindauer
Wed Apr 27, 2016 7:18 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 67
Views: 7048

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

fortyofforty wrote:Jack,

If you could get a "do-over", what would you do differently in your life?

If you could travel back in time, what advice would you give a young Jack Bogle?

Thanks again, Mel.


Good question and I'm sure we'll all enjoy hearing Jack's response.
by Mel Lindauer
Mon Apr 25, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Sell ibonds? Or hold?
Replies: 15
Views: 1689

Re: Sell ibonds? Or hold?

A few years ago I bought 5k in ibonds thinking it was a good move for when I have kids and they are ready for college. I later learned about the AGI limit for cashing ibonds for educational purposes. I make over the AGI and intend to keep it that way for some time -- I'm 34 now. Does it still make ...
by Mel Lindauer
Mon Apr 25, 2016 8:58 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 67
Views: 7048

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

Got any more questions for Jack Bogle? If so, post them here.
by Mel Lindauer
Sun Apr 24, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 59574

Re: Have you upgrade to Windows 10?

This thread is locked. Please post your comments on the existing older thread.

viewtopic.php?p=2508736#p2508736
by Mel Lindauer
Sat Apr 23, 2016 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Sell ibonds? Or hold?
Replies: 15
Views: 1689

Re: Sell ibonds? Or hold?

A few years ago I bought 5k in ibonds thinking it was a good move for when I have kids and they are ready for college. I later learned about the AGI limit for cashing ibonds for educational purposes. I make over the AGI and intend to keep it that way for some time -- I'm 34 now. Does it still make ...
by Mel Lindauer
Sat Apr 23, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Windows Error message
Replies: 15
Views: 784

Re: Windows Error message

Toons wrote:Look for a system restore point on your computer prior to the upadate.
Restore it to that date, :happy


Yep, that will do the job.
by Mel Lindauer
Fri Apr 22, 2016 10:33 pm
Forum: Forum Issues and Administration
Topic: [Software upgrade - (Complete) Saturday, 9 AM Eastern (13:00 UTC)]
Replies: 5
Views: 1017

Re: SOFTWARE UPGRADE Saturday, 9 AM Eastern (13:00 UTC)

I'll post it on Morningstar's Bogleheads Unite forum because folks look there for information when this site is down for any reason.
by Mel Lindauer
Thu Apr 21, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: Explaining a Total Return Withdrawal Strategy to Clients
Replies: 24
Views: 2656

Explaining a Total Return Withdrawal Strategy to Clients

Hi Everyone: We see this debate here from time to time (Income-Yield vs. Total Return withdrawal strategies). While it was written for advisors, the information is applicable to clients, so it's a good read. "Clients aren't likely to meet their total withdrawal needs solely through an income-yi...
by Mel Lindauer
Thu Apr 21, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: The Secret Shame of Middle-Class Americans(Middle Class Americans Living Paycheck To Paycheck)
Replies: 3
Views: 1760

Re: The Secret Shame of Middle-Class Americans(Middle Class Americans Living Paycheck To Paycheck)

This thread is locked. Restarting a previously-locked topic is a violation of forum policy. This topic is also non-actionable and isn't allowed.
by Mel Lindauer
Wed Apr 20, 2016 7:40 pm
Forum: Investing - Theory, News & General
Topic: Did Rick Ferri sell his firm?
Replies: 21
Views: 5735

Re: Did Rick Ferri sell his firm?

This thread has run its course and is locked. Since Rick is not permitted to talk about Portfolio Solutions on the forum, speculation about his business affairs is also not appropriate for the forum.
by Mel Lindauer
Wed Apr 20, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Thank you, Bogleheads
Replies: 1
Views: 616

Re: Thank you, Bogleheads

Great story! Thanks for posting it. It's always nice to hear that our work is both helpful and appreciated.

If you continue on your present path, there's no doubt in my mind that you and your family will be financially independent long before many of your contemporaries.
by Mel Lindauer
Mon Apr 18, 2016 1:03 am
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 67
Views: 7048

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

Got a question for Mr. Bogle? Post it here and I'll try to get it answered for you. Mel, Unfortunately I won't be able to attend. Do you think there will be video of the Q & A session posted to YouTube or another source for those of us who can't make it? If there is a video, we'll make an annou...
by Mel Lindauer
Mon Apr 18, 2016 1:01 am
Forum: Investing - Help with Personal Investments
Topic: Just got married wife has a annuity please help
Replies: 7
Views: 1187

Re: Just got married wife has a annuity please help

I may be wrong, but I am pretty sure that a 1035 exchange can be done free of any surrender charge. So you could first do a 1035 exchange to a Vanguard variable annuity. The cost basis of the annuity will not change, so if it's still worth less than what she paid for it at that point, you can simpl...

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