Search found 13220 matches

by Mel Lindauer
Mon Jul 15, 2019 8:41 pm
Forum: US Chapters
Topic: Orange County, CA chapter?
Replies: 37
Views: 3232

Re: Orange County, CA chapter?

If you get five or more Bogleheads who express an interest in getting an Orange County Local Chapter going and one of you agrees to be the Local Chapter Coordinator, I'll get you up and running. Just PM me if you're interested. Here's my earlier post. Still waiting for a volunteer coordinator to PM...
by Mel Lindauer
Sun Jul 14, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: S&P MidCap 400: Outperformance and Potential Applications
Replies: 18
Views: 1830

Re: S&P MidCap 400: Outperformance and Potential Applications

I think we should take our hats off to Mel who discovered this sweet spot and has been exploiting it for years before the herd recognized it. Factor investors are drawn to small caps, the smaller cap weight, the higher small factor load. Many investors especially those with huge amounts of money to...
by Mel Lindauer
Sun Jul 14, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Want a 2 in 1 laptop
Replies: 28
Views: 2192

Re: Want a 2 in 1 laptop

I love my Lenovo Yoga 900. Great all-around device. Fully-loaded yet extremely light. I use it as my main computer. Also have the latest Asus 2-in-1 that I use for travel because I don't want to disconnect all of the devices that I've got hanging off my Yoga 900. Have an HP Chromebook that I use a l...
by Mel Lindauer
Sat Jul 13, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: S&P MidCap 400: Outperformance and Potential Applications
Replies: 18
Views: 1830

Re: S&P MidCap 400: Outperformance and Potential Applications

Mel's Unloved Mid-Caps are finally being "discovered". They're validating what I first reported back in 2000.

A bit late to the party!
by Mel Lindauer
Thu Jul 11, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: Wall Street Journal Reporter Wants to Interview Members
Replies: 5
Views: 1395

Re: Wall Street Journal Reporter Wants to Interview Members

Bump for visibility. If you fit the profile and would like to be interviewed for the story, contact Laura promptly.
by Mel Lindauer
Thu Jul 11, 2019 7:02 pm
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 36
Views: 2789

Re: 60 Years old just starting to invest

Income 150K net in passive rental income (all mobile homes). No debt therefore easy to save 120k/year. Spouse has earned income of 60k. Other spouse approx. 20k in commissions. We are healthy 60 years old. We will stay managing rentals for 10 years then sell (current retail value 1.2 million) or hi...
by Mel Lindauer
Wed Jul 10, 2019 6:19 pm
Forum: Investing - Theory, News & General
Topic: Wall Street Journal Reporter Wants to Interview Members
Replies: 5
Views: 1395

Re: Wall Street Journal Reporter Wants to Interview Members

Laura Sanders at the Wall Street Journal wants to interview members on the topic below. She has worked with Mel on many occasions here. Since he is traveling, I'm posting her request and contact. She has also identified certain members that she notes have posted on the topic below. I will PM each o...
by Mel Lindauer
Wed Jul 10, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: Wall Street Journal Reporter Wants to Interview Members
Replies: 5
Views: 1395

Re: Wall Street Journal Reporter Wants to Interview Members

This topic recently started up on the subject of a marriage penalty in the new SALT limitation, perhaps some of the folks posting there would be interested in being interviewed: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=285306 Thanks for the suggestion Laura did see that thread and those...
by Mel Lindauer
Mon Jul 08, 2019 4:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 6614

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

I finally dug through my Vanguard Variable Annuity Prospectus dated May 1, 2017, and found this, page 20: "...the risk the Company assumes is that the charges for administrative expenses, which are guaranteed to not increase beyond the rates shown for the life of the Contract, may not be great enou...
by Mel Lindauer
Sun Jul 07, 2019 10:36 pm
Forum: Investing - Theory, News & General
Topic: No More Posts Of Larry Swedroe Essays
Replies: 65
Views: 5351

Re: No More Posts Of Larry Swedroe Essays

The moderating team consulted extensively behind the scenes regarding this decision. We'd like to clear up any misconceptions and provide some insight from our perspective. First and foremost, we want to encourage discussion on investing topics, not stifle it. For this reason, we want the discussion...
by Mel Lindauer
Sun Jul 07, 2019 7:15 am
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 36
Views: 2789

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

JoeRetire wrote:
Sun Jul 07, 2019 6:41 am
Question 1: Why does Allan Roth's name not have a star in front of it, like all the others?

:happy
Thanks for catching that. Now it does! Don't want to give Allan an inferiority complex. He'd never forgive me for that (unintentional) omission. 😊
by Mel Lindauer
Sun Jul 07, 2019 6:19 am
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 36
Views: 2789

POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

Hello Everyone: Whether you'll be attending the upcoming Bogleheads Conference in October or not, you still have an opportunity to have your questions answered at the Conference by the Experts Panel. The Panel includes: * Christine Benz , author and Morningstar's Director of Personal Finance; * Dr. ...
by Mel Lindauer
Sat Jul 06, 2019 9:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Historical Imperative For International Diversification
Replies: 347
Views: 16276

Re: Larry Swedroe: The Historical Imperative For International Diversification

Glad to see after Moderators banned Larry Swedrow's columns (see recent thread) that we are still having Larry's columns here. Yes! Freedom of ideas wins. Article was posted prior to my receiving the request to refrain from posting his essays. Dave Larry has always been, and is still welcome to pos...
by Mel Lindauer
Fri Jul 05, 2019 9:52 pm
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2505

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

I have experience with (and checks from) two former Advantage accounts and both sets of checks do, indeed, have routing numbers on them.
by Mel Lindauer
Fri Jul 05, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 6614

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

What this thread illustrates are at least two things. First, really great deals tend not to last. Second, organizations always act in their own best interest eventually and will do things that at the time seem surprising. Even Vanguard as an organization has a certain amount of ruthlessness. It's j...
by Mel Lindauer
Thu Jul 04, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: Mel Lindauer is my next guest on the “Bogleheads on Investing” podcast
Replies: 11
Views: 1480

Re: Mel Lindauer is my next guest on the “Bogleheads on Investing” podcast

Thanks Mel for your distinguished contributions to the Bogleheads! What’s the single best piece of advice you ever received? Imbogled P.S. Rick, I have enjoyed all of your podcasts and look forward to many more. Keep up the great work! Without a doubt, the most important advice I ever received, fol...
by Mel Lindauer
Mon Jul 01, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3402

Re: Pickleball Paddle recommendation?

I have watched it on TV and at our local YMCA. A few have asked me to "try it". I am a confirmed racquetball player (>45 yrs now). It looks a little slow to me until the last few rallies, but, that's just my perspective. I may try it one day...but for now, I really enjoy rball. But, if my knees or ...
by Mel Lindauer
Sun Jun 30, 2019 6:55 am
Forum: US Chapters
Topic: Any interest in forming Local Chapter on Long Island NY?
Replies: 39
Views: 7962

Re: Any interest in forming Local Chapter on Long Island NY?

Investing Newbie wrote:
Sat Jun 29, 2019 9:45 pm
I think we have our 5
Now if one of the five will agree to be the Local Chapter Coordinator (communicates with members about meeting dates, times, locations, etc.), let me know via PM and I'll make your group official.
by Mel Lindauer
Sat Jun 29, 2019 5:24 pm
Forum: US Chapters
Topic: Any interest in forming Local Chapter on Long Island NY?
Replies: 39
Views: 7962

Re: Any interest in forming Local Chapter on Long Island NY?

Let me know when you get five and one of you agrees to be the Local Chapter Coordinator and I'll make your group an official Local Chapter and add your group and contact info to the Local Chapters Map so others can find and contact you.
by Mel Lindauer
Sat Jun 29, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3402

Re: Pickleball Paddle recommendation?

I have watched it on TV and at our local YMCA. A few have asked me to "try it". I am a confirmed racquetball player (>45 yrs now). It looks a little slow to me until the last few rallies, but, that's just my perspective. I may try it one day...but for now, I really enjoy rball. But, if my knees or ...
by Mel Lindauer
Sat Jun 29, 2019 5:18 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 395
Views: 84300

Re: South Florida Local Chapter

Sorry that I was unable to accept an invitation to this meeting since I'll be in Philly. Hopefully another time.
by Mel Lindauer
Fri Jun 28, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on mergers
Replies: 0
Views: 265

Reporter doing story on mergers

Hello Evefyone: I'm posting the following on behalf of a known WSJ reporter. If this describes you and you want to be interviewed for the story, respond directly to Laura promptly. ************************************* Four large mergers under way are cash-and-stock deals that are set to be fully ta...
by Mel Lindauer
Wed Jun 26, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3402

Re: Pickleball Paddle recommendation?

I'm pretty fast and can get to a lot of shots that others might not get to, so I really liked the extra length of those custom paddles. While you do sacrifice some width in exchange for the extra length, the tradeoff really worked well for me. Is there a standard for area on the paddle surface? Is ...
by Mel Lindauer
Tue Jun 25, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3402

Re: Pickleball Paddle recommendation?

II started out with a paddle from Dick's Sporting Goods for around $65. Then I had my paddles custom made in Canada at a reasonable price ($125). You pick the edge color (I chose green for all of mine), thickness (light or heavy, thick or thin) and the handle size.' I have three (two thin and one t...
by Mel Lindauer
Tue Jun 25, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3402

Re: Pickleball Paddle recommendation?

No recommendations, just an internet hi-five to the pickleball players on the forum. When we go to our local municipal rec center, I love seeing people playing pickleball. We play in the driveway with family. Good on you for being active, whether you're age 10-110! We're fortunate that we don't hav...
by Mel Lindauer
Mon Jun 24, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3402

Re: Pickleball Paddle recommendation?

II started out with a paddle from Dick's Sporting Goods for around $65. Then I had my paddles custom made in Canada at a reasonable price ($125). You pick the edge color (I chose green for all of mine), thickness (light or heavy, thick or thin) and the handle size.' I have three (two thin and one th...
by Mel Lindauer
Mon Jun 24, 2019 3:36 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on MM Acct. Checking
Replies: 3
Views: 1094

Reporter doing story on MM Acct. Checking

Hi everyone: A known reporter with a national publication would like to hear from anyone who has written a check to the Internal Revenue Service on a Vanguard (or another investment firm) money-market account and then had the check rejected by the IRS. If so, and you'd like to be interviewed for the...
by Mel Lindauer
Mon Jun 24, 2019 3:32 pm
Forum: Forum Issues and Administration
Topic: I am rejecting from reading a post
Replies: 11
Views: 2241

Re: I am rejecting from reading a post

Apologies for not making this plain before, still learning the board software. The topic in question has been removed for moderator review. international001: if you happened to be reading the topic when it was moved, and clicked on one of the page selection buttons, you'll see this sort of message....
by Mel Lindauer
Sun Jun 23, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 6614

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

Present Vanguard Annuity holders should have no concern. The terms of the original contract rule. Dale Not necessarily true since TA might raise the insurance side of the costs. That would be my primary concern. Mel, my 1999 Vanguard Variable Annuity contract clearly states the Administrative fee (...
by Mel Lindauer
Fri Jun 21, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 6614

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

Dale_G wrote:
Fri Jun 21, 2019 6:08 pm
Present Vanguard Annuity holders should have no concern. The terms of the original contract rule.

Dale
Not necessarily true since TA might raise the insurance side of the costs. That would be my primary concern.
by Mel Lindauer
Wed Jun 19, 2019 11:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 6614

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

However, Vanguard will continue to provide and manage the annuity sub-accounts just as they do now. The investment options will remain the same as they are now.
by Mel Lindauer
Wed Jun 19, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Reporter doing story on bonds
Replies: 0
Views: 243

Reporter doing story on bonds

I received this request from a known WSJ reporter. If you're interested in being interviewed for this story, contact Dan directly. ********************** My name is Dan Kruger. I’m a reporter for the Wall Street Journal and I would like to talk with investors about bonds and how they approach invest...
by Mel Lindauer
Tue Jun 18, 2019 8:49 pm
Forum: Personal Investments
Topic: MetLife Preference Premier Variable Annuity Keep or Dump
Replies: 12
Views: 900

Re: MetLife Preference Premier Variable Annuity Keep or Dump

Have had this product for the 10 year required time frame. Have received an offer to cancel my LWG rider - should I? Looks like a lot of the perks are now going away. I was planning on Annuitizing for the lifetime payout. My representative is suggesting I actually dump this product and that he has ...
by Mel Lindauer
Mon Jun 17, 2019 8:26 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast hits milestone
Replies: 17
Views: 1813

Re: "Bogleheads on Investing" podcast hits milestone

Congratulations on that milestone, Rick. You've been doing an outstanding job, and I expect that one of these days you'll be posting that you've hit the million mark.

Keep doing what you're doing so well, Rick; you're a natural.

Semper Fir and best regards,

Mel
by Mel Lindauer
Sun Jun 09, 2019 8:20 am
Forum: Investing - Theory, News & General
Topic: Best day of the month to invest?
Replies: 41
Views: 4550

Re: Best day of the month to invest?

goldendad wrote:
Sat Jun 08, 2019 11:16 pm
When you have the money to do so.
Agree. That was precisely what my post was meant to convey.
by Mel Lindauer
Sat Jun 08, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: Best day of the month to invest?
Replies: 41
Views: 4550

Re: Best day of the month to invest?

After doing extensive research, I've found that the best days to invest your funds are weekdays that end in "Y".
by Mel Lindauer
Sat Jun 01, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 104
Views: 13100

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.

What is the capacity of this event? Are most people fans just like us here, or so you also see a lot of professional people from the industry? While we could obviously sell out a much larger venue, we purposely cap it at 200. That's a number where attendees don't feel lost in a huge crowd and they ...
by Mel Lindauer
Sat Jun 01, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: Concerning Ibonds- sales 1099 both paper & TD
Replies: 12
Views: 891

Re: Concerning Ibonds- sales 1099 both paper & TD

Mel is correct that Treasury Direct doesn't send you a 1099, BUT Treasury Direct does send an email stating the 1099 is available for review/download. So, it pays to make sure your email address on file is accurate. I'm thinking I don't receive any 1099s in the mail, I download them all. And, OP: I...
by Mel Lindauer
Sat Jun 01, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 104
Views: 13100

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.

What is the capacity of this event? Are most people fans just like us here, or so you also see a lot of professional people from the industry? While we could obviously sell out a much larger venue, we purposely cap it at 200. That's a number where attendees don't feel lost in a huge crowd and they ...
by Mel Lindauer
Fri May 31, 2019 8:22 am
Forum: Investing - Theory, News & General
Topic: Concerning Ibonds- sales 1099 both paper & TD
Replies: 12
Views: 891

Re: Concerning Ibonds- sales 1099 both paper & TD

When redeeming paper bonds, one bank I used issued the 1099 at the time of the redemption while another sent the 1099 at tax time, as expected.

On the other hand, if you redeem at TD, it's up to you to remember to go online and get your 1099 since they don't send them.
by Mel Lindauer
Sun May 26, 2019 12:17 pm
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 13701

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

Some time ago (can't remember whether it was a Forbes article I wrote or something I posted here), I made the case for three separate TD funds for each year, since folks often didn't know they were supposed to look under the hood of the various TD funds to find the asset allocation they wanted, rath...
by Mel Lindauer
Sun May 26, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 108
Views: 12529

Re: No more print Money magazine

Back in 2012, Taylor, Laura (the Queen of the Bogleheads) and I were honored as Money Heroes for Investor Education by Money Magazine. I considered it recognition of the good work that this forum was doing and accepted on behalf of all the Bogleheads who contributed to the success of the forum. I di...
by Mel Lindauer
Sun May 26, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 108
Views: 12529

Re: No more print Money magazine

I'm sorry to see Money Magazine go. We discovered Bogleheads through Jason Zwieg's September 2001 article "Here Come the Bogleheads". WIthout that article, we may have never known about the Bogleheads. Ed And for that, Marlene and I are eternally grateful. You and Patti have become such good friend...
by Mel Lindauer
Tue May 21, 2019 6:34 pm
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 13701

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

And if you want an asset allocation that remains constant, the Vanguard Life Strategy.series of funds offer a nicely-diversified portfolio in a single low-cost fund that rebalancs automatically.
by Mel Lindauer
Mon May 20, 2019 1:09 pm
Forum: Investing - Theory, News & General
Topic: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?
Replies: 74
Views: 8625

Re: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?

The real question is why weren't they recommended 50 years ago? EDIT: Or 19 years ago? Actually, I first made the case for mid-caps back in 2000 in a discussion of slice-and-dice with Larry Swedroe on the old Morningstar Vanguard Diehards forum. Since I was apparently the lone voice recommending mi...
by Mel Lindauer
Fri May 17, 2019 11:54 pm
Forum: Investing - Theory, News & General
Topic: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?
Replies: 74
Views: 8625

Re: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?

I started recommending mid-caps nearly 20 years ago in a discussion with Larry Swedroe on the old Morningstar Vanguard Diehards forum. I suggested that mid caps might be a good single equity holding and that it could be better than Larry's slice and dice portfolio of large and small. Over the years,...
by Mel Lindauer
Fri May 17, 2019 11:20 pm
Forum: Personal Investments
Topic: ibonds and 529
Replies: 8
Views: 1033

Re: ibonds and 529

ThisTimeItsDifferent wrote:
Fri May 17, 2019 4:33 pm

The child (or self?) must be listed as a beneficiary on the bonds, not as an owner or co-owner.
This statement is incorrect. It should say that the child MAY be listed as the beneficiary but not as the owner or co-owner.
by Mel Lindauer
Fri May 17, 2019 8:59 am
Forum: US Chapters
Topic: Richmond, VA Area Local Chapter
Replies: 62
Views: 7841

Re: Richmond, VA Area Local Chapter

Ok everyone, Mel's going to post something up as well, but I'm going to take a stab and getting the Richmond Chapter resurrected. Here's my contact information: Jeff RVABogleHeads@gmail.com First gathering will be at Tazza Kitchen, Tuesday June 4th @ 5:00. https://www.tazzakitchen.com/location/shor...