Search found 12253 matches

by Mel Lindauer
Mon Feb 27, 2017 2:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 2860

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

gkaplan wrote:
VictoriaF wrote:Today is my 10-year anniversary of the Bogleheads Forum membership. I am grateful to the Forum for directing me to a successful retirement.

Victoria


This Friday, March 3, will be my ten-year anniversary.


Happy 10th to two valued members.
by Mel Lindauer
Thu Feb 23, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 14
Views: 734

Re: AXA Annuity getting fleeced- switch to Vanguard?

I have an AXA account and I am able to buy an S&P 500 fund in that account (is a 401K). The fees on that fund are about .87% which I find acceptable. The other options I have in that account have higher fees. If I could do a 401K with Vanguard that would be nice, I have some employees and don't...
by Mel Lindauer
Thu Feb 23, 2017 11:49 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 113
Views: 29617

Re: Master Thread for Portland, Oregon

Yes, my husband and I have volunteered to coordinate this year and are hoping to provide a speaker. See you in March. This is to officially confirm that Cynthia and her husband are the new coordinators for the Portland Local Chapter. The new contact email address is pdxbogleheads@gmail.com (note th...
by Mel Lindauer
Wed Feb 22, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me about Raymond James?
Replies: 28
Views: 3904

Re: Tell me about Raymond James?

barnaclebob wrote:
Uncle Pennybags wrote:
Mel Lindauer wrote:I know I wouldn't want my daughter doing any door-to-door soliciting.
I just got that, ha ha. :D


Only took 6 years huh...


My thought, exactly! But then again, six years is better than never getting it. :D
by Mel Lindauer
Wed Feb 22, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 14
Views: 734

Re: AXA Annuity getting fleeced- switch to Vanguard?

You didn't mention your age. This is relevant because the 10% Federal + separate state penalty applies if you bail out before age 59 1/2. Another option if you're under age 59 1/2 is a tax-free 1035 exchange to Vanguard's variable annuity which has no surrender penalties (to get out of Vanguard). A...
by Mel Lindauer
Wed Feb 22, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: AXA Annuity getting fleeced- switch to Vanguard?
Replies: 14
Views: 734

Re: AXA Annuity getting fleeced- switch to Vanguard?

In an effort to consolidate my portfolio and reduce fees, I'd like to rollover my current Roth with AXA (from a prior job) into the backdoor Roth started last year with Vanguard. The AXA Roth is about 10% of my total portfolio. It is Retirement Cornerstone B Roth IRA with 100% allocation in GB AXA ...
by Mel Lindauer
Wed Feb 22, 2017 12:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1232

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

Hi Jack:

Now that you're "officially" 21, that means you'll be able to enjoy a glass of wine or other alcoholic beverage of your choice at our upcoming 2017 Bogleheads Conference. :D :beer
by Mel Lindauer
Tue Feb 21, 2017 7:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1232

HAPPY 21ST HEARTDAY, JACK BOGLE

Hello Everyone: Just wanted to let everyone know that today is the 21st anniversary of Jack's heart transplant. He met earlier today with the Doctors who performed the transplant. Here's a story about that reunion. http://www.philly.com/philly/business/personal_finance/87-Yr-Old-Vanguard-Founder-Joh...
by Mel Lindauer
Tue Feb 21, 2017 6:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 117
Views: 17788

Re: Sad News About a Respected Forum Member

alisa4804 wrote:Lee Evans Marshall passed away on January 27th in Williamsburg, VA. This is likely our friend, Old Meph.

http://www.bucktroutfuneralhome.net/obi ... -marshall/


Such sad news. I can confirm that was our friend, Old Meph.
by Mel Lindauer
Sat Feb 18, 2017 11:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 2860

HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Hello Everyone: Feb. 19, 2017 is a very special day. It marks the 10th birthday of this Bogleheads.org forum. Born out of frustration over the lack of moderation at our previous home, this moderated Bogleheads.org forum has been a remarkable success. Over the past 10 years, we've had over 3,000,000 ...
by Mel Lindauer
Sat Feb 18, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: EPA MPG estimates then vs now
Replies: 6
Views: 481

Re: EPA MPG estimates then vs now

This thread is locked as non-actionable.
by Mel Lindauer
Sat Feb 18, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10126

Re: Bogleheads not the norm?

I'm a lower-income Boglehead who has never made more than 50k a year. I don't have a 7-figure portfolio. I don't always stay within my budget, nor did I ever max out all my retirement accounts. When I learned about investing over 20 years ago, the Bogleheads approach just made sense to me. In my op...
by Mel Lindauer
Sat Feb 18, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 6860

Re: Need advice on girlfriend debt/finances

This thread is locked for moderator review.
by Mel Lindauer
Sat Feb 18, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: The case against small cap value
Replies: 79
Views: 13766

Re: The case against small cap value

Do a search both here and on Morningstar for "Mel's Unloved Mid-Caps". I've been discussing them since 2000 as an alternate to slice-and-dice or as a stand-along portfolio. Here's my original discussion with Larry Swedroe where I suggested that mid-caps deserved more love and attention. ht...
by Mel Lindauer
Sun Feb 12, 2017 9:26 pm
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 2596

Re: welcome home bogleheads.org

Good Listener wrote: And although I hate flying, if a national Bogleheads meeting is held there, I will be there.


We actually did hold one of our previous Bogleheads Conferences in Las Vegas in 2005. We didn't see you there.
by Mel Lindauer
Sun Feb 12, 2017 5:20 pm
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 2888

Re: [Bogleheads Sites Are Ad-Free]

It appears that just about everyone seems to have overlooked my previous post upstream, so I'll repeat it here. FOR THE RECORD: While the Bogle Center does help support the Bogleheads.org forum, it does not own the forum. The owners of the forum have stated that the forum will remain ad-free and tha...
by Mel Lindauer
Sun Feb 12, 2017 9:59 am
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 2888

Re: [Bogleheads Sites Are Ad-Free]

Then think about how much money is needed to do that. Thus far it hasn't been able to raise enough to hire a single employee. Yet it sits on/is associated with a website with a commercial value of at least 8 figures. FOR THE RECORD: While the Bogle Center does help support the Bogleheads.org forum,...
by Mel Lindauer
Fri Feb 10, 2017 4:12 pm
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 2888

Re: BOGLEHEADS SITES ARE AD-FREE

Thanks for all you do behind the scenes on the wiki and other Boglehead-related web sites to make things work, Barry.

Best regards,

Mel
by Mel Lindauer
Fri Feb 10, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6143

Re: Terrible negotiator - need help with words to use [Buying a car]

Hi DD: Nice to see your name of a post. DD, the best dog that ever lived. :D It's a shame you don't live in my neck of the woods or I'd be happy to go to the dealer and negotiate on your behalf. I'm an old hand at this and I always get the car I want for the price I say I'll pay or else I walk. I re...
by Mel Lindauer
Thu Feb 09, 2017 4:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 257
Views: 9548

Re: Your USER NAME...what does it mean?

I wanted folks to think I was an author, so I picked an author's name. :D
by Mel Lindauer
Thu Feb 09, 2017 4:50 pm
Forum: Investing - Theory, News & General
Topic: NYT Bogle Op-Ed today on fiduciary rule [Putting Clients Second]
Replies: 5
Views: 1301

Re: NYT Bogle Op-Ed today on fiduciary rule

After review, this thread will remain locked.
by Mel Lindauer
Wed Feb 08, 2017 1:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 17
Views: 2021

Re: Amazon Smile: John C Bogle Center

For those following this, from this discussion, I developed the following page for Boglecenter.net describing the Amazon Smile program and how it benefits the Center. I'm taking feedback on how to describe the program better. Feel free to PM me. Your description of how the Amazon Smile plan can wor...
by Mel Lindauer
Tue Feb 07, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Bogle Center Web Site Has a New Look
Replies: 3
Views: 678

Re: Bogle Center Web Site Has a New Look

Mel, is there any way to make a donation online, instead of having to mail a check? Not at the present time. Being Bogleheads, we want to use every dollar donated for Center causes which means keeping expenses as low as possible. That means not paying commissions for using PayPal or credit cards. A...
by Mel Lindauer
Tue Feb 07, 2017 7:20 pm
Forum: Investing - Theory, News & General
Topic: Bogle Center Web Site Has a New Look
Replies: 3
Views: 678

Bogle Center Web Site Has a New Look

Hello Everyone: I'm pleased to announce that, thanks to Barry Barnitz, LadyGeek and Liberty1100, The John C. Bogle Center for Financial Literacy has a new and improved look. Instead of the previous basically static web site with very limited options, we now have moved the site to the WordPress platf...
by Mel Lindauer
Mon Feb 06, 2017 11:30 pm
Forum: Investing - Theory, News & General
Topic: Quick question on Target Date fund fees
Replies: 12
Views: 727

Re: Quick question on Target Date fund fees

Heard before that since Target date fund are fund of funds, the fees of it also are fees on top of the holding funds fees. Is that correct? While some fund companies do add an additional layer of expenses on top of the expenses of the underlying funds, as DSInvestor correctly pointed out, Vanguard ...
by Mel Lindauer
Sun Feb 05, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is whole life necessary with no debt?
Replies: 22
Views: 1519

Re: Is whole life necessary with no debt?

The Whole Life route is interesting to me because of the safe 7% return that isn't driven by the stock market. You have been lied to... There is no such thing as a guaranteed 7% return. You cannot trust this life insurance salesman at all. Don't bother doing any business with him/her ever. 1. Do we...
by Mel Lindauer
Thu Feb 02, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 125
Views: 10388

Re: Betterment just raised their costs.

Just think if the fee was raised to the 0.3% that Vanguard and TDAmeritrade charge. All Hell would break loose! You're comparing apples and oranges. Betterment's "half price" was simply a rob-advisor while Vanguard's 0.3% fee includes a live CFP. If you want that personal CFP service at B...
by Mel Lindauer
Thu Feb 02, 2017 1:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Interview with Mel Lindauer, President of The John C. Bogle Center
Replies: 7
Views: 1302

Re: Interview with Mel Lindauer, President of The John C. Bogle Center

The address appears to be (just a guess) a drop box/PMB in a Postnet shipping center. What's the story behind how/why it ended up in San Diego, CA? (Just curious, it doesn't REALLY matter.) I am also contributing via Amazon Smile and have contributed via a DAF. For the record and to answer your que...
by Mel Lindauer
Mon Jan 30, 2017 9:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hong Kong Bogleheads?
Replies: 12
Views: 2402

Re: Hong Kong Bogleheads?

It appears there's enough interest to get a Hong Kong Local Chapter going. If someone will agree to be the Local Chapter Coordinator, let me know via PM an I'll get your chapter up and running and add your group to the Local Chapters Map so others can find and contact you.
by Mel Lindauer
Mon Jan 30, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Reporter Doing Story on Credit Karma Free Tax Prep
Replies: 0
Views: 348

Reporter Doing Story on Credit Karma Free Tax Prep

Laura Saunders, a known WSJ reporter, asked me to post the following for her. If you fit the profile, contact Laura directly via email. Credit Karma is now offering online tax preparation and filing to individuals, and the service is free--unlike what often happens with other online tax-prep service...
by Mel Lindauer
Sun Jan 29, 2017 4:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7359

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Happy Birthday, dear Taylor. Many more. Love, Daisy Dog (Sherrie) Hi DD (Sherrie): So nice to see your name on a post. Takes something really special like Taylor's 93rd birthday to bring you out of hiding! :D Long time, no see or chat. Perhaps it's time for you to think about attending our 20...
by Mel Lindauer
Thu Jan 26, 2017 9:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Local NJ Chapter, Northern NJ
Replies: 6
Views: 974

Re: Local NJ Chapter, Northern NJ

I would like to as well. Hoping there's a thread about this somewhere! This is that thread. Let's see how much interest there is. If you get three more folks who express and interest in a new Northern NJ Local Chapter and one of you agrees to be the Local Chapter Coordinator, PM me and we'll get yo...
by Mel Lindauer
Thu Jan 26, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Guide to Investing....for a Boglehead?
Replies: 13
Views: 808

Re: Bogleheads Guide to Investing....for a Boglehead?

GerryL wrote:BTW to the OP, Mr. Bogle did not write Bogleheads' Guide to Investing.


That's true. Mr. Bogle ("Jack" to his Bogleheads) wrote the Foreword and Taylor, Michael and I wrote the rest of the book.
by Mel Lindauer
Thu Jan 26, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: Whole life & Annuities
Replies: 11
Views: 1028

Re: Whole life & Annuities

Both annuities and whole life insurance policies are financial products that usually pay very generous sales commissions to those who peddle them and considerable profits to companies who offer them which is precisely why these products are pushed so enthusiastically to the frightened and insecure ...
by Mel Lindauer
Wed Jan 25, 2017 10:47 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7359

HAPPY 93RD BIRTHDAY, TAYLOR!

Just wanted to let everyone know that today is the King of the Bogleheads, Taylor Larimore's 93rd birthday. I'm pleased to call him my partner-in-crime and my co-author, but I'm most pleased to call him my very dear friend. Here's to many more birthdays, Taylor. Onward to the century mark. This Mari...
by Mel Lindauer
Tue Jan 24, 2017 10:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Notice of Bogleheads Conference 2017?
Replies: 2
Views: 528

Re: Notice of Bogleheads Conference 2017?

pennstater2005 wrote:Per Mel Lindauer, it will be announced April 5th.

viewtopic.php?t=204728


That's the correct date for the announcement. And my announcement will include dates, location, costs and registration information/instructions.
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: 4369

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: 666

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: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 7
Views: 1978

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: 5279

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: 117
Views: 17788

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: 752

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: 117
Views: 17788

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: 1706

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: 6463

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: 1617

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: 1617

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: 1002

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: 945

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: 3443

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...

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