Search found 12175 matches

by Mel Lindauer
Fri Dec 02, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: European Riverboat Tours
Replies: 14
Views: 1311

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: 549

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: 885

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: 2821

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: 1342

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: 423

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: 2050

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: 8
Views: 1121

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...
by Mel Lindauer
Thu Nov 24, 2016 1:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember
Replies: 12
Views: 2062

A Thanksgiving to Remember

Here's some history about how this all started with Jack Bogle.

https://www.bogleheads.org/wiki/A_Thank ... o_Remember
by Mel Lindauer
Sun Nov 20, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation?
Replies: 93
Views: 19313

Re: Turn off water heater on vacation?

I just glanced at the various responses, so forgive me if it's already been stated, but I didn't see anyone mention that you need to shut off the ice maker in your refrigerator if you shut off the water to the house. Usually only requires moving the arm to the upward or off position. And don't forge...
by Mel Lindauer
Sat Nov 19, 2016 3:07 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protection: TIPS or Gold?
Replies: 35
Views: 2998

Re: Inflation Protection: TIPS or Gold?

I'd second the recommendation of I Bonds for the first $10,000 ($20,000 if married) per year. Unlike TIPS, I Bonds also offer DEflation protection since their value can never decrease should we encounter a period of deflation. They can also be used, tax-free, for qualifying educational expenses. I ...
by Mel Lindauer
Fri Nov 18, 2016 9:10 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protection: TIPS or Gold?
Replies: 35
Views: 2998

Re: Inflation Protection: TIPS or Gold?

I'd second the recommendation of I Bonds for the first $10,000 ($20,000 if married) per year. Unlike TIPS, I Bonds also offer DEflation protection since their value can never decrease should we encounter a period of deflation. They can also be used, tax-free, for qualifying educational expenses.
by Mel Lindauer
Fri Nov 18, 2016 6:32 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements Words of Wisdom
Replies: 12
Views: 2388

Jonathan Clements Words of Wisdom

More words of wisdom from Jonathan Clements plus a shoutout to the bogleheads.org forum.

http://www.jonathanclements.com/home/20 ... ading-this
by Mel Lindauer
Wed Nov 16, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle and the Presidential Medal of Freedom"
Replies: 24
Views: 2895

Re: "Jack Bogle and the Presidential Medal of Freedom"

triceratop wrote:Update: didn't happen.

Instead: Movie stars, artists, and tech tycoons...


How sad.
by Mel Lindauer
Wed Nov 16, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: New way to finance college
Replies: 2
Views: 589

New way to finance college

Kim Clark from Money just posted an analysis of the pros, cons and early results of some pilot tests of using Income Share Agreements to pay for college. She thought it was a subject that might be of interest to the Bogleheads. Interesting idea that I hadn't heard about before. http://time.com/money...
by Mel Lindauer
Tue Nov 15, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice: Heading Home for the Holidays
Replies: 16
Views: 764

Re: Need Advice: Heading Home for the Holidays

prudent wrote:Topic locked for moderator review.


After Moderator review, the thread will remain locked (relationship issue).
by Mel Lindauer
Mon Nov 14, 2016 1:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Nashville / Mid-TN Chapter Master Thread
Replies: 30
Views: 3216

Re: Nashville / Mid-TN Chapter Master Thread

OK, mojorisin has stepped up and agreed to be the new Nashville Local Chapter coordinator. Thanks to him, your group can get back up and running.

Good luck!
by Mel Lindauer
Sat Nov 12, 2016 12:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3267
Views: 780663

Re: U.S. stocks in freefall

After removing a number of political posts, I locked this thread for a few days to let the political climate cool down.

I'm now reopening it but be aware that any further political posts will result in a warning or suspension and a permanent lock.
by Mel Lindauer
Fri Nov 11, 2016 7:31 am
Forum: Investing - Theory, News & General
Topic: A thank you
Replies: 3
Views: 601

Re: A thank you

Than you for that very nice "Thank You". It's nice to know that our work is both helpful and appreciated.
by Mel Lindauer
Thu Nov 10, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: Just don't panic
Replies: 61
Views: 8698

Re: Just don't panic

This thread has required the removal of a large number of political and economic posts, all of which are a violation of forum policy. This thread is locked.
by Mel Lindauer
Wed Nov 09, 2016 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Just remember...stay the course.
Replies: 45
Views: 5810

Re: Just remember...stay the course.

We've had to remove numerous posts regarding speculation on possible future legislation. Therefore, this thread is locked.
by Mel Lindauer
Tue Nov 08, 2016 5:42 pm
Forum: Investing - Theory, News & General
Topic: Factor-Based Investing: Q&A with Larry Swedroe
Replies: 1
Views: 375

Factor-Based Investing: Q&A with Larry Swedroe

Larry answers questions about factor-based investing with mutualfunds.com.

http://mutualfunds.com/q-and-a-and-inte ... anagement/
by Mel Lindauer
Sat Nov 05, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: Foreign Stocks: Keep the Faith - Jonathan Clements
Replies: 53
Views: 5624

Foreign Stocks: Keep the Faith - Jonathan Clements

Jonathan Clements explains why investors shouldn't bail on foreign equities.

http://www.jonathanclements.com/home/20 ... r-overseas
by Mel Lindauer
Thu Nov 03, 2016 7:04 pm
Forum: Investing - Theory, News & General
Topic: How will the election impact your portfolio?
Replies: 2
Views: 547

Re: How will the election impact your portfolio?

This thread is locked. There are a number of existing threads on this very topic. Some have been locked while others have had warnings posted.

by Mel Lindauer
Wed Nov 02, 2016 3:56 pm
Forum: Investing - Theory, News & General
Topic: Recession post-election?
Replies: 42
Views: 3702

Re: Recession post-election?

This thread has run its course and is locked for Moderator review.
by Mel Lindauer
Wed Nov 02, 2016 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: I - Bonds - converting
Replies: 13
Views: 1148

Re: I - Bonds - converting

Folks do it, but it would depend on what type of penalty you will pay - if previous 3 months of composite rate is zero, then penalty is zero, but if rate is say 1.5%, you'd lose .375 percent of interest. Also, if bond had accumulated a significant amount of accrued interest, does it pay to redeem, ...
by Mel Lindauer
Mon Oct 31, 2016 11:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard blog gives Bogleheads kudos
Replies: 25
Views: 2568

Re: Vanguard blog gives Bogleheads kudos

Nice thank-you to Bogleheads and 3 questions that were answered at the Bogleheads convention Q&A at the Vanguard headquarters. http://vanguardblog.com/2016/10/31/thank-you-bogleheads/ John and Vanguard will be answering additional questions from the Bogleheads on their blog that they didn't hav...
by Mel Lindauer
Sat Oct 29, 2016 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities
Replies: 15
Views: 1506

Re: Annuities

From what I can glean from this forum, annuities are not very popular but I am leaning toward a lifetime annuity from TIAA. I have cash set aside for emergencies and my thinking is that since I have an uncomplicated inheritance situation (one child, two grandchildren) and since the investment forec...
by Mel Lindauer
Sat Oct 29, 2016 6:04 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 9971

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

I serve without pay [...] As President of The John C. Bogle Center for Financial Literacy. One of our stated mission objectives is to help support this forum which contributes to our larger overall mission which is to help improve the financial literacy of all Americans. I'd guess that Mel's work s...
by Mel Lindauer
Thu Oct 27, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 9971

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

... On the other hand, donating my very limited and precious time is a much more meaningful thing. Exactly. Maybe to you but maybe not to the charity. The charity might rather get a check for 1k if they can hire someone to do the job for say 100 bucks. Having a Lawyer who can bill out a 500/hr serv...
by Mel Lindauer
Thu Oct 27, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 9971

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

I serve without pay on two boards as part of my volunteer work/giving back: 1. As President of The John C. Bogle Center for Financial Literacy. One of our stated mission objectives is to help support this forum which contributes to our larger overall mission which is to help improve the financial li...
by Mel Lindauer
Mon Oct 24, 2016 6:14 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12551

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

I'm not a fan of (or user of) TD. I tried it to see what all the noise was about. I found it undesirable for a number of reasons and closed my account. 1. Like many others, I found myself getting locked out of my own account from time to time. 2. I found it cumbersome to do simple things like havin...
by Mel Lindauer
Mon Oct 24, 2016 6:03 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12551

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

I'm not a fan of (or user of) TD. I tried it to see what all the noise was about. I found it undesirable for a number of reasons and closed my account. 1. Like many others, I found myself getting locked out of my own account from time to time. 2. I found it cumbersome to do simple things like havin...
by Mel Lindauer
Mon Oct 24, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12551

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

4. My biggest gripe (and the real deal breaker) is that with paper Savings Bonds, if they're lost, stolen or even fraudently redeemed, Treasury will make you whole, but if someone cleans out your TD account, you're simply out of luck and have no recourse. If someone "cleans out" my TD acc...
by Mel Lindauer
Sun Oct 23, 2016 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Personal investing
Replies: 4
Views: 489

Re: Personal investing

Hello. New here. We are retired in our late 60's, and have some IRAA investments. We have about 40k in mutual funds ( PRGTX 12k, SWTSX 7k, SWPPX 7k, MCDVX 14k ) and about 40k in cash from a sale that we would like to invest also. We don't need extra income as our pension and SS is sufficient for ou...
by Mel Lindauer
Sun Oct 23, 2016 2:27 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12551

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

Kevin - almost none of this is worth it. An optimally timed and purchased I bond might be equivalent to a 1.5% 1 year CD, say in comparison to a 1% bank CD. After the first year, inflation will likely be back down again and these will be unattractive or at least no better than other options. Given ...
by Mel Lindauer
Thu Oct 20, 2016 2:47 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12551

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

How do people typically work with I-Bonds? Do you monitor the composite rate every 6 months and if a year has gone by, then decide whether to redeem/hold/(redeem and re-buy later) depending on how good the composite rate is OR kinda like fire and forget, where you just buy the I-Bonds and then hold...
by Mel Lindauer
Wed Oct 19, 2016 11:03 am
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12551

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

that 2.76% is gonna be pretty sweet on top of my 3.6% fixed rate. thanks, mel! edit to add: and i bought em using my discover card and got 1% cash back to boot. that loophole has been closed. Yeah, it was fun for a long time (I actually used a 2% cash-back CC) before they finally took the dessert t...
by Mel Lindauer
Tue Oct 18, 2016 8:59 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12551

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

Remember these babies?

2.76+3.0=5.76
2.76+3.3=6.06
2.76+3.4=6.16
2.76+3.6=6.36

And then there's compounding on top of that.

Hope many of you still have some of those oldies but goodies.
by Mel Lindauer
Mon Oct 17, 2016 4:49 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 7997

Re: Bogleheads is back!!!

I guess the obvious question is "When was the last time you donated to help support the forum?"
by Mel Lindauer
Sun Oct 16, 2016 8:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Bogleheads
Replies: 11
Views: 1933

Re: Thank you Bogleheads

Thanks for your service and your commitment to ensure that military members make better financial decisions. Like yourself, I am a long time lurker but recent poster.I am also an enlisted guy currently serving at Fort Campell, KY. When you venture off the installation, you are immediately struck by...
by Mel Lindauer
Sun Oct 16, 2016 6:11 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 7997

Re: Bogleheads is back!!!

It might be an idea to post something on the facebook page next time - I checked for info there.... I didn't think to check M* but I knew it was down and not just for me. I provided info to the folks who take care of the Facebook page. I'm pretty sure they posted something there. Yep, just checked ...
by Mel Lindauer
Sun Oct 16, 2016 6:09 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 7997

Re: Bogleheads is back!!!

rob wrote:It might be an idea to post something on the facebook page next time - I checked for info there.... I didn't think to check M* but I knew it was down and not just for me.


I provided info to the folks who take care of the Facebook page. I'm pretty sure they posted something there.
by Mel Lindauer
Sun Oct 16, 2016 4:48 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 7997

Re: Bogleheads is back!!!

For those of us who (finally, in my case) figured out to check Morningstar's Bogleheads Unite! forum, a big thank you to Taylor, Mel, and Lady Geek for keeping us updated. I (or should I say, Google) did discover that forum/thread yesterday as I was looking for information. http://socialize.morning...
by Mel Lindauer
Fri Oct 14, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Target retirement date fund okay for all accounts?
Replies: 21
Views: 2242

Re: Target retirement date fund okay for all accounts?

What about using these fund types in order to simplify accounts for a surviving spouse who is just not into managing investments? This is the case for us. We are at 40% taxable. I think DW can handle a 1 fund portfolio. It is either this or pay for help for her if I am gone. I think this is a perfe...
by Mel Lindauer
Fri Oct 14, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Target retirement date fund okay for all accounts?
Replies: 21
Views: 2242

Re: Target retirement date fund okay for all accounts?

I would vote everything except taxable. Yep, me too, in this case. However, it might be appropriate in a taxable account for retired folks if they're using the distributions for current living expenses. In addition to automatic rebalancing, having both bonds and equities in the single fund can help...
by Mel Lindauer
Thu Oct 13, 2016 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Target retirement date fund okay for all accounts?
Replies: 21
Views: 2242

Re: Target retirement date fund okay for all accounts?

I would vote everything except taxable. Yep, me too, in this case. However, it might be appropriate in a taxable account for retired folks if they're using the distributions for current living expenses. In addition to automatic rebalancing, having both bonds and equities in the single fund can help...
by Mel Lindauer
Thu Oct 13, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Who is a true Boglehead?!
Replies: 38
Views: 2560

Re: Who is a true Boglehead?!

Bless me father for I have sinned. I used and recommended mid-caps so often that over the many years they became known as "Mel's Unloved Mid-Caps". Now, after Gus Sauter's recent presentation on factor investing at our 2016 Bogleheads Conference, turns out all this hoopla about this new-fa...
by Mel Lindauer
Thu Oct 13, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: Is this ER bill normal (medical billing)
Replies: 64
Views: 4648

Re: Is this ER bill normal (medical billing)

This thread is locked for moderator review.

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