Search found 13034 matches

by Mel Lindauer
Tue Jan 22, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast growing audience
Replies: 24
Views: 2206

Re: "Bogleheads on Investing" podcast growing audience

Rick, how about interviewing John Bogle, Jr., who is an ACTIVE manager, reminiscing about Jack's influence as his father, and discussing their different investing paths. Although he isn't a money manager, I also hope Jason Zweig is on the list. +1 on Jason Zweig. That conversation would be very int...
by Mel Lindauer
Sun Jan 20, 2019 10:58 am
Forum: Local Chapters and Bogleheads Community
Topic: Australian Chapter ?
Replies: 19
Views: 3928

Re: Australian Chapter ?

Any more Sydneysiders hanging around? I know a couple more Boglehead sympathisers on other forums. I'm a Sydneysider. But I think it is an uphill battle to make this forum anything but American-focused and you're better off trying to start an Australian equivalent somewhere else. (I think Canadians...
by Mel Lindauer
Sat Jan 19, 2019 7:44 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 118
Views: 10524

Re: Tributes to Jack Bogle

birnhamwood wrote:
Sat Jan 19, 2019 6:13 pm
I am very sorry to learn of Mr. Bogle's passing. I owe my financial success to him and the Bogleheads, particularly Mr. Larimore and Mel L. I was a participant on this board many years ago.
Welcome back, even though it's under such sad circumstances.
by Mel Lindauer
Sat Jan 19, 2019 12:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: JACK BOGLE'S FUNERAL
Replies: 0
Views: 689

JACK BOGLE'S FUNERAL

At the request of Jack's family, his funeral will be private. They are asking that only family and invited guests attend.

Good Bogleheads will honor Jack's family's request.
by Mel Lindauer
Fri Jan 18, 2019 9:52 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44949

Re: John Bogle has died at age 89

This will get lost in the weeds but just wanted to contribute my story and say thank you to Jack and to this forum in case anyone (or possibly even a family member) reads this. In late 2013, right after graduating from college, I came home looking for a job. A few months of struggle in, my father p...
by Mel Lindauer
Tue Jan 15, 2019 5:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7280

Re: Vanguard Brokerage Accounts

You're obviously missing the point here, Doc. Even the online December 2018 version that claims to be YTD (I downloaded it to see) doesn't include all transactions for that year -- it's the same as the paper version. It would be nice if it did. You're apparently aware of that fact, since you talked...
by Mel Lindauer
Tue Jan 15, 2019 5:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread - Providence, Rhode Island Bogleheads Chapter
Replies: 22
Views: 4983

Re: Providence/RI Metro Group, and Meeting January 14th

On an administrative note, should this thread be merged with the earlier one? Rhode Island Chapter Established I didn't want to combine the threads if this is a different chapter. Same chapter. Mel just posted on an old thread. Sorry about that. I didn't realize there were two Rhode Island threads ...
by Mel Lindauer
Tue Jan 15, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7280

Re: Vanguard Brokerage Accounts

In responding to me The previous statements from Vanguard DID include ALL transactions, so there's no obvious reason that they can't continue to do so. They can do it but it would increase costs. Vanguard wants to get rid of paper altogether but there are people who are computer limited and Vanguar...
by Mel Lindauer
Tue Jan 15, 2019 10:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7280

Re: Vanguard Brokerage Accounts

That's one possible explanation, Doc. However, IMO, they should punish traders who exceed a certain number and not punish all of the rest of us by taking away a valuable resource we previously had (one real YTD statement for each year). Nice idea but I don't think a broker is "allowed" to make that...
by Mel Lindauer
Tue Jan 15, 2019 10:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Master thread - Providence, Rhode Island Bogleheads Chapter
Replies: 22
Views: 4983

Re: Rhode Island Chapter Established

It took a while, but the Rhode Island Local Chapter is officially off and running.

You can post your interest right here on this thread or you can contact Michael @ ribogles@mail.com.

Good luck to our newest Bogleheads Local Chapter.

Mel
by Mel Lindauer
Tue Jan 15, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7280

Re: Vanguard Brokerage Accounts

That's one possible explanation, Doc. However, IMO, they should punish traders who exceed a certain number and not punish all of the rest of us by taking away a valuable resource we previously had (one real YTD statement for each year). Nice idea but I don't think a broker is "allowed" to make that...
by Mel Lindauer
Mon Jan 14, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7280

Re: Vanguard Brokerage Accounts

We really don't need ALL statement -- only one complete YTD statement for each year like we used to get. In another recent thread relating to Vangaurd stopping purchases of of some leveraged assets https://www.bogleheads.org/forum/viewtopic.php?f=10&t=269047&p=4318922#p4318922 there was a comment t...
by Mel Lindauer
Mon Jan 14, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7280

Re: Vanguard Brokerage Accounts

No you don't. You can get all the transactions downloaded in several formats and print it if you want. But those formats do not include the "year to date statement". I just downloaded an Excel compatible file for 2018. It's ugly and a PITA but it is available. Why on earth should investors have to ...
by Mel Lindauer
Mon Jan 14, 2019 4:08 am
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Mid Peninsula, California Chapter Interest?
Replies: 31
Views: 4024

Re: San Francisco Mid Peninsula, California Chapter Interest?

Looks like there's enough interest in getting a Local Chapter organized. If someone agrees to be the coordinator, let me know via PM and we'll make it official and add your group to the Local Chapter map so others can contact you.
by Mel Lindauer
Sat Jan 12, 2019 9:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7280

Re: Vanguard Brokerage Accounts

Now, under the new system, you have to keep the entire year's worth of statements if you want a true YTD of all transactions. No you don't. You can get all the transactions downloaded in several formats and print it if you want. But those formats do not include the "year to date statement". I just ...
by Mel Lindauer
Sat Jan 12, 2019 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 70
Views: 7280

Re: Vanguard Brokerage Accounts

Now only if Vanguard would update the account statements to provide a year to date statement listing all transactions for the year. One could then print the year end final statement and have a full accounting for the year. I know Mel had mentioned that he mentioned this to Vanguard. I really do not...
by Mel Lindauer
Tue Jan 08, 2019 11:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in a Shelby/Jefferson County AL chapter?
Replies: 31
Views: 2603

Re: Any interest in a Shelby/Jefferson County AL chapter?

Bumping for visibility. I'll suggest two dates for a possible first meeting of this group - Sunday, January 27 or Sunday, February 10. 2pm, Riverchase Galleria food court. I will send a private message to each person listed above, asking whether they can make a meeting and have a preference for a d...
by Mel Lindauer
Wed Jan 02, 2019 6:49 pm
Forum: Investing - Theory, News & General
Topic: Gus Sauter: the next "Bogleheads on Investing" podcast guest
Replies: 28
Views: 1913

Re: Gus Sauter: the next "Bogleheads on Investing" podcast guest

Ask Gus if he'll be doing a presentation again at this year's Bogleheads' Conference.
by Mel Lindauer
Tue Jan 01, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2509

Re: Snow Plowing

Escaping having to clear a long steep driveway in Pennsylvania snows was one of the reasons I retired to Florida. Now my white stuff is sand. 8-)
by Mel Lindauer
Mon Dec 31, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4059
Views: 1103065

Re: What Movie Have You Recently Watched?

Disappointed by The Mule. Lots of unrealistic stuff. Wouldn't recommend it.
by Mel Lindauer
Mon Dec 31, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Annuities objectively considered
Replies: 111
Views: 7299

Re: Annuities objectively considered

As should be inferred from my original post, I recognize both tax-deferred or "variable" annuities and single premium immediate annuities as being good investments under some circumstances -- Variable annuities are almost never a good investment. Someone earlier mentioned a variable annuity with a ...
by Mel Lindauer
Sat Dec 29, 2018 4:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8104

Re: My favorite Boglehead posters

Nicolas wrote:
Sat Dec 29, 2018 1:17 pm
“Ole Meph” (Mephistophles)
RIP, Ole Meph.
by Mel Lindauer
Sun Dec 23, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Interview Of Larry Swedroe Centered On His New Retirement Book
Replies: 8
Views: 1270

Re: Interview Of Larry Swedroe Centered On His New Retirement Book

Don't forget to use the forum link to Amazon when you order. There's no extra charge to you, but the forum gets a small donation for each order made using the link. You'll find the link here: https://www.bogleheads.org/support.htm
by Mel Lindauer
Sun Dec 23, 2018 2:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapter census
Replies: 6
Views: 506

Re: Local Chapter census

If someone wants to reactivate an inactive Local Chapter and agrees to be the Local Chapter Coordinator, PM me with your contact info and I'll get that Chapter back up and running.
by Mel Lindauer
Sun Dec 23, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

Finally, even though purchased with after-tax dollars in a taxable account, I Bonds offer tax-deferral which means they can help expand an investor's tax-deferred space beyond the normal 401k, IRA, etc. contribution limits. That right and I believe that applies to TIPS . . . Not true. You'll pay ta...
by Mel Lindauer
Sat Dec 22, 2018 8:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11201

Re: My Christmas Present To You

This Marine salutes his good paratrooper friend and co-author. My very best to you at this special time of the year, dear friend.
by Mel Lindauer
Fri Dec 21, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

Finally, even though purchased with after-tax dollars in a taxable account, I Bonds offer tax-deferral which means they can help expand an investor's tax-deferred space beyond the normal 401k, IRA, etc. contribution limits.
by Mel Lindauer
Fri Dec 21, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

Another difference is that I Bond earnings can be tax-free when used for qualifying educational expenses.
by Mel Lindauer
Fri Dec 21, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

One other difference between Tips held in a taxable account and I Bonds is that the I Bonds are tax-deferred for up to 30 years. That allows for compounding and some possible tax-shifting from higher tax rates in one's working years to a lower tax bracket in 30 years when they may well be retired.
by Mel Lindauer
Thu Dec 20, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

Probably like most people posting here, I have a handful of spreadsheets I've developed or found to aid my planning. Some of them have to do with alternative fixed investments, for example when it makes sense to break a CD to buy another. So I have a firm grasp of TVM calculations and other financi...
by Mel Lindauer
Wed Dec 19, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

… So, I Bonds offer both inflation AND deflation protection With deflation, the purchasing power of my dollars increases. I've never understood why I need protection against that! The deflation protection is against the loss of previous gains/earnings. That's correct, Mel, if we look at the nominal...
by Mel Lindauer
Tue Dec 18, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

Deflation and interest rate increases are two separate things, ... Good point, telemark!. The original poster seems to be confusing these two events. In 2015 we had very mild deflation. During that time the inflation adjustment for I bonds went to zero, but their real (after deflation) rate was som...
by Mel Lindauer
Tue Dec 18, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

Actually, the higher the rate of DEflation, the higher the REAL rate of return on the I Bonds. So the I Bonds are the REAL (pun intended) winner. The longer the deflationary period, the more you'll wish you owneI Bonds.

So, I Bonds offer both inflation AND deflation protection
by Mel Lindauer
Mon Dec 17, 2018 9:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in a central New Jersey chapter?
Replies: 16
Views: 911

Re: Any interest in a central New Jersey chapter?

Looks like you've got enough. Let's get this Local Chapter up and running. PM me JediMisty when you've got the new email address that you'll use for this.

Good luck and best regards.

Mel
by Mel Lindauer
Fri Dec 14, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: December "Bogleheads on Investing" podcast with guest Christine Benz now available
Replies: 17
Views: 2072

Re: December "Bogleheads on Investing" podcast with guest Christine Benz now available

Another great podcast with another great guest. Good job; you're a natural, Rick.
by Mel Lindauer
Fri Dec 14, 2018 7:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Forming new chapter-Virginia Beach
Replies: 24
Views: 1029

Re: Forming new chapter-Virginia Beach

[Thread merged into here, see below. --admin LadyGeek] Virginia Beach. Does Chapter 11, hampton roads diehards still exist? If not then I would like to start a new Virginia Beach Chapter. All interested please reply. Let me know via PM if you get the Virginia Beach group started and I'll add your g...
by Mel Lindauer
Wed Dec 12, 2018 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4447

Re: Why I use Roth for bond instead of stock. Please correct me...

I am 69 and retired. Wife is 64, and she will likely live to age 95. My Roth is !00% equities, because we don't need it, and it won't be touched until my wife dies, 30 yrs hence. When wife dies, the beneficiaries of the Roth will be grand-kids and great grand-kids, where the mandatory distributions...
by Mel Lindauer
Tue Dec 11, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Keepsake Savings Bonds?
Replies: 9
Views: 608

Re: Keepsake Savings Bonds?

If it is a small enough denomination, you could just keep it and not cash it in. Stops earning after 30 years, but this way you could frame it and pass it on to an heir. Don't forget that even if you don't redeem the bonds at their final maturity (30 years), you'll still owe taxes on all the intere...
by Mel Lindauer
Sun Dec 09, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12077

Re: 20M Inheritance - What is best option for small/no risk on principal?

fwdmotion wrote:
Thu Dec 06, 2018 6:30 pm

Does anyone have anyone they can recommend for a fee only advisor?
You can call Boglehead author and columnist, Allan Roth, CFP, CPA, MBA, at Wealth Logic. He's a fee-only advisor. His office number is 719-955-1001.
by Mel Lindauer
Sun Dec 09, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 14
Views: 1777

Re: Christine Benz next podcast guest

Kchawkeye11 wrote:
Sun Dec 09, 2018 10:58 am
I had no idea that Bogleheads had a podcast. I just subscribed.
It's a relatively recent (2018) addition but will now be a regular (monthly) feature.

Rick's got some interesting folks lined up for future podcasts. Stay tuned.
by Mel Lindauer
Sun Dec 09, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 14
Views: 1777

Re: Christine Benz next podcast guest

I'm looking forward to hearing your podcast with Christine, Rick. I'm sure it will be interesting and informative, as have all of your previous ones.

(For those who don't know, Christine is a regular panel member at the Q&A with the Experts sessions at the annual Bogleheads Conferences.)
by Mel Lindauer
Thu Dec 06, 2018 11:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 29
Views: 5181

Re: Hawaii Bogleheads, where are you?

Anyone willing to step up and be the Local Chapter Coordinator for one or more Island Local Chapters? If so, contact me via PM and we'll get thing moving along.

Aloha,

Mel
by Mel Lindauer
Wed Dec 05, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Morningstar forum gone?
Replies: 11
Views: 1577

Re: Morningstar forum gone?

The search feature is basically useless, since it can't seem to find things that I know exist.
by Mel Lindauer
Tue Dec 04, 2018 8:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: LadyGeek -- the next 10K poster!
Replies: 39
Views: 5525

Re: LadyGeek -- the next 10K poster!

LadyGeek wrote:
Tue Dec 04, 2018 8:19 pm
Thanks! FYI - Barry Barnitz is bumping a 2013 thread.
And another FYI. LadyGeek is now approaching 50,000 posts. (She's almost at 49K at present.)
by Mel Lindauer
Fri Nov 30, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 1701

Re: When to cash in EE Savings Bonds

If you cash them in at a bank or credit union, they will send you a 1099. I've done this many, many times. Lately, I've matched them up with college tuition payments to cancel out the taxes. I actually had one bank issue the 1099 right at the time of redemption. Others do as you said and send the 1...
by Mel Lindauer
Thu Nov 29, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: When to cash in EE Savings Bonds
Replies: 16
Views: 1701

Re: When to cash in EE Savings Bonds

Whatever you decide, be aware that interest is only credited SEMIANNUALY, so you'd want to redeem the bonds on the six-month or twelve-month anniversary of issue date.